if i look at an old credit report and find unauthorized inquiries, can i still contact those companies to send them non-PP letters? (even tho the inquiries don't show today?)
There is a SOL on this. § 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p] An action to enforce any liability created under this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within two years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under this title to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant's liability to that individual under this title, the action may be brought at any time within two years after discovery by the individual of the misrepresentation.
Hi Diva & Jodi, Generally speaking, under the circumstances you explain, the SOL begins upon the alleged violation's occurrence, not it's discovery. The exception is if there is fraud involved where you could not be reasonably expected to discover the problem at all.
