Ok, say, for instance, you mailed out a permissible purpose letter (the one in the databases section on creditboards.com) to each and every company that has pulled a hard inquiry on your credit report that you do not have an account with. What could possibly go wrong? The letter says "State your permissible purpose or arrange for payment..." Are they legally obligated to respond to this kind of letter? Say the inquiries were results of online applications. How could they prove it was you that applied for credit?
They may... send you a FRAUD LETTER send you a check for $8.00 so you get a FREE credit report send a letter saying..."SORRY we won't give you even $1.00 let-alone $1,000.00" send a letter saying "WE DID NOT PUT IT THERE...TALK TO THE COMPANY THAT DID PUT IT THERE"
Re: Re: Permissible Purpose letter.Question That's just it. I sent them to the companies that pulled the inquiries.
Re: Re: Re: Permissible Purpose letter.Question I should read slower... THEN TRY THE CRA... IT IS A NEVER ENDING FIGHT...THE CRA SAYS CONTACT THE COMPANY THAT PUT IT THERE...THE COMPANY THAT PUT IT THERE SAYS CONTACT THE CRA!!!
Re: Re: Re: Re: Permissible Purpose letter.Question Yeah, you don't have to tell me. I now have fraud alerts on all three reports (thanks to Exp kindly forwarding a fraud alert to the others)... But, I do have about 15 inquiries in dispute on Exp. The local bureau for Equifax won't budge, and I haven't tried TU yet. Back to the subject, I was really hoping that one of these companies wouldn't have any records, and might just send a check to keep it out of court.
I'll go one step further - I send PP letters to all SOFT inquiries with 3 week deadlines. Of the 14 I sent, 7 wrote back, apologzing, and offering to take the INQ off my CRA report. I gave them two weeks to do it or I file suit. 3 wrote back asking "what inquiry? Send it to us on your CRA report." I did and extended their suit deadline 9 days. The others I file suit against this Friday. You ask what can happen if they ignore your PP letter? Nothing, if that's where you leave it. I am sure your PP letter gave a deadline and indicated your next step if satisfaction was not achieved. In mine it was a suit under FCRA for a non PP pull. Maybe, if they ignore your PP letter they will also ignore the Summons and Complaint. If you applied on line they would probably have enough information about you that only you can provide that it would be pretty convincing that you did apply.
Re: Re: Re: Re: Permissible Purpose letter.Question That's why, in that instance, I sue BOTH of them and let THEM fight it out in court while I just sit back and count the judgement. As soon as they both point the finger at each other and say "it's HIS problem", I give them both the finger and say "It's BOTH your problems now"
Isn't there some kind of Electronic Signature Act or something like that now to protect companies? Or did I have a bad dream?
