I disputed several inquiries with transunion and received back the following email. I don't understand it. Can someone shed some light on it for me, please?? Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. We will assume your issue has been resolved if we do not hear from you within 96 hours. The SOLVED message that will conclude our communication with you on this email does not affect any dispute you have pending with TransUnion. Please refer to the telephone number and contact information included on our paper letters sent to you or shown to you online to obtain a status on an dispute in progress. Thank you for allowing us to be of service to you. You may also update your question by replying to this message. Because your reply will be automatically processed, you MUST enter your reply in the space below. If you do not enter your update between the two lines of text, we cannot read your reply. [===> Please enter your reply BELOW this line <===] [===> Please enter your reply ABOVE this line <===] Subject --------------------------------------------------------------- Unauthorized inquiries Discussion Thread --------------------------------------------------------------- Response (D. Hardy) - 02/13/2003 03:08 PM If you feel that companies who inquired into your credit file did not have permissible purpose as outlined in the Fair Credit Reporting Act Section 604, you may wish to contact them directly concerning their reason for accessing your file. If they find their inquiry is incorrect, they may provide us with written authorization requesting the removal of the inquiry. Incident #030213-000234 --------------------------------------------------------------- Topic: TransUnion Personal Credit Report Category: - How to investigate/update my report Sub-Category: Other investigation/update issues Contact Information: watson@dgusa.com Date Created: 02/13/2003 03:08 PM Last Updated: 02/13/2003 03:08 PM Status: Waiting
Basically, the CRA's consider an inquiry a statement of fact and refuse to investigate/remove them. They are telling you, you are going to have to go after the OC directly. I would print out that email and save it. Ya never know when you might need it. Some OC's will tell you they can't authorize deletion of inquiries.
