In the process of researching my one day legal action against Sears I have discovered a pattern by which they pull an A/R inquiry from TU on the first of the month but it doesn't necessarily appear immediately. Then the next month the first inquiry is deleted and a new one is in its place. For example: An INQ on 6/1/2002 appears on my 7/27/2002 report. An INQ from 7/1/2002 appears on my 8/16/2002 report but the 6/1/2002 inquiry has been deleted entirely. (Not bumped for lack of space) An INQ from 8/1/2002 appears on my 9/5/2002 report but the 7/1/2002 inquiry has been deleted. This pattern continues through the report I pulled today. My Sears account charged-off and was sold to RMA no later than May 1999. As such Sears had no permissible purpose for any of these inquiries. I hope I am not the only person who keeps an archive of their credit reports. Could others check and see if they have this same cover-up-esque pattern?
Reasonably sure. Sears indicates that the account was "Purchased by another lender" not transferred or assigned. Either way the account was paid in full last summer prior to these inquiries and I don't have a current account with them, ergo no permissible purpose. The problem Sears has is that they can't argue one defense without admitting that they have placed false and inaccurate information in another report. All three reports of mine show something different from Sears, different dates, statuses, etc. Nothing matches. The real purpose of my question was to determine if anyone else is seeing what appears to me to be a CYA move on Sears' part by never letting more than one inquiry appear on the report. They appear to delete the previous inquiry before making the new one.
Does anybody know whether this is a trick on Sears' part, that perhaps violates a right somewhere along the way? After all, Sears is the OC but no longer owns the account because it was SOLD, right? So they cannot pull a report, right?
