A car dealership ran my name using my husband's social security number and our address. Their explanation for this was that they mistakenly used my name and his information. My husband was car shopping at the time, but the day that these inquiries were made using my name and his info, was the same day he informed the dealer he was no longer interested in purchasing from that dealer. So I have been receiving denial letters from banks and finance companies. I never gave them permission to do anything, I never signed anything. Is there anything I can do??
I'd ask them to remove them. If they fail to comply, you could consider litigation. I beleive a non-pp inquiry is a per violation award but, I think you do have to show some form of damage as per the rest of the FCRA. Your damages may be in the form of the denial letters if they state "number of inquiries affected the score." Otherwise, I don't see a lot here.
