UPDATE!!!!!!! Got a reply from Don Richman today... Here's his reply in full, and my letter in full.... quote: -------------------------------------------------------------------------------- Erica, Sorry for the delay. I have been out of the office. TransUnion replied to your investigation request. We sent you a letter advising our position on inquiries and sent you a modified report reflecting the results of the accounts you questioned. At this time, I am not deleting the inquiries. These are statements of fact and therefore, accurate. These companies received your report on that date. Questioning why it was done should be entertained by the company that did the inquiry. Thank you for the opportunity to clarify your concern. >>> "Erica"07/03/02 18:25 PM >>> To Whom it May Concern: On 5/28/02, I completed an online investigation at your website, using your provided "dispute online wizard". The dispute included a request to correct personal information, to reinvestigate three accounts which are erroneously reporting on my report, and to delete six unauthorized inquiries. I have attached a copy of the dispute which clearly shows the date of the dispute. The FCRA allows you thirty (30) days to complete your investigation. Since I have not received notification of the completion of your investigation, I am left to assume that you cannot verify the inaccurate and incomplete information in question. Therefore you MUST delete the information, as required by law. I would like for you to send me an updated and complete credit report, and anyone else who has requested it in the last six (6) months. Thank you for your prompt attention to this very serious matter. Sincerely, Erica -------------------------------------------------------------------------------- Did he skirt the issue at hand???? What do you think?
Write him back and tell him WHY you think those inquiries are unauthorized... He did skirt the issue at hand. The issue was that they didn't complete the investigation in 30 days.
I think I would point out to TU that while you may indeed take it up with the companies who pulled your credit report without a permissable purpose, it is also TU's responsibility to ensure that only those *with* a permissable purpose are able to access your credit report. Therefore, TU also has culpability in this matter. Just a thought.... L
Thanks whyspers...I just may do that....I am also going to respond to Don with a request for $1000 for failure to reinvestigate/delete the inquiries in question. As far as I'm concerned, inquiries are like tradelines, and I have a right to request they be deleted. They also took over 30 days, as I have YET to get the report he says they sent to me. So I'm asking him for $1000 for that too.....what do you think?
Erica, I think you are going to be a new member of the Priority Club with several other creditnetters (including myself). I have tried everything except filing a lawsuit to have 3 unauthorized inquiries removed from my report. This included speaking with, writing, and re-writing to Don Richman. You know what? I still have those same 3 inquiries reporting. TU is going to do NOTHING to help you get rid of them. It doesn't matter what you say, how bad you threaten, how much sense you make. I was told, by the priority dept, that TU was not capable of reporting an inquiry that lacked permissible purpose. Now, Erica, stop laughing! Isn't that the most ridiculous thing you have ever heard. This was from a supervisor in the Priority Dept! Bottom line, this is their mantra for awhile. Good luck and I wish you well, but I think you are going to still be hitting your head against the wall 6 months from now without a lawsuit. Have you been following Lizardking's thread on his TU inquiry lawsuit? The law is on our side on this issue, no doubt in my mind. I just have bigger fish to fry right now than to deal with it. Good luck, let us know how it goes! Lisa
