I called Household to ask about refinancing a loan with them. I was calling simply to ask for rates. The customer service person on the phone starting getting information, and asked for my SSS#... I told him all I needed was info, and not to apply. He said he needed the SSS# anyway, and I told him, I do not want a hard inquiry on my report. He said he wouldn't be pulling one. Next day, I pulled my report on EFX, and guess what I saw on there. Yep, you guessed it...a nice new hard inquiry from Household. So I called them back and told them they must immediately remove it... I spoke to a supervisor who apologized and assured me, it'd be removed. After a few days, and saw it was still there, and it *did* lower my score. I wrote them demanding removal, and the $1,000 fine per FCRA rules. I gave them up till today to write back. They called, and left me a message to call them back instead of doing it in writing. So, what should I do here? Call them back, and risk not having this in writing? or wait for the deadline to pass, and shoot off another letter threatening to take them to court? Please I need some advise
You should try to keep every communication written. That said, most violators of the FCRA do not write anything--for obvious reasons. If you do speak to them on the phone, get a full name and then immediately send a confirming letter.
And record the call, if that's legal in your state (in many jurisdictions, if they say they might record for training or quality control purposes or something like that, you have the right to do so without telling them).
Just to be clear, the ORIGINAL LOAN is or is not with Household?? If it is NOT, and you made it clear you DID not want to apply, Household is in violation of FDRA 611. http://www.ftc.gov/os/statutes/fcra.htm#611 NOT a suprise, I have sued them 5 times so far in state court, and WON After they did not learn, I am in federal court now.
Just to be clear, the ORIGINAL LOAN is or is not with Household?? If it is NOT, and you made it clear you DID NOT want to apply, Household is in violation of FCRA 611. http://www.ftc.gov/os/statutes/fcra.htm#611 NOT a suprise, I have sued them 5 times so far in state court, and WON After they did not learn, I am in federal court now.
