I have found many letters demanding $1000 for each non pp inquiry from a company. But also every letter states either pay or delete. What is the likelyhood of proving the company had a right to pull your report from an inquiry 2 years old. This to me would be like easy money. Those inquiries from 2 years ago are not affecting me that much right, but I should still be able to sue right, or at least threaten. How many have actually recieved money without filing a suit? I was at the courthopuse Monday and picked up a handful of Small Claims Complaint forms. If I wrote a letter to each inquirer and sent a filled out form (minus the date), would that help get a removal and possible settlement? Is this legal or would this be considered intimidating? I know most people just want the inquiries removed, but if you can put a little change in your pocket at the same time?
$1500 for three AR's here - no lawsuit, just had to get to the right person (via the Agent of Service) (sorry, I'm still proud)
Wow jlynn, that's great. I'm curious how you pulled that off. Did you just keep pursuing until you found their Agent of Service, or did you go directly for him first. My whole thing is I have 5 inquiries from Cap One. Never had an account or ever applied for Cap One. These inquiries will drop off within the next 6 months, but I don't know if it's worth actually suing.
I started the paper trail with a simple what is your PP letter. They gave me stupid answers "it was either to offer you more credit or review an existing account". It was marked AR, and I had no account. I then sent the same person a second letter. They ignored. I then went to the Agent of Service, they got it to the right person. IMHO, its always worth suing Cap One LOL! As I said in my letter, its not about the adverse affect on my credit status, but them illegally accessing my private information.
I'm curious about SOL for inquiries too. I got 2 different answers, 1 year and 2 year. jlynn how old were your inquiries when you discovered them? I was given this reply in another link. In regards to your next question if you can sue. The SOL for FCRA violations is 2 years, however, the two years begins from the time the incident occurred and does not go by the "discovery rule" (when you realized it) This was decided by the Supreme Court in the case of TRW v. Andrews So as per this response, no matter when you discover the inquiry, you can sue, because inquiries stay on your report for 2 years. I haven't read the case in reference yet.
My oldest, at 2 years fell off before I "finished the deal", but then again, we didn't get into court.
