Today.... I got a letter in the mail from Associates National Bank. It is saying I was denied credit for insufficient recent activity on my credit report. Here is the problem...!!!!!! First......... I never applied for this card!! Second..... They pulled my credit report, equifax hard inquiry, with out calling me!!! I have listed on my credit report to phone me b/f pulling and issuing credit to anyone!! I am soooo sick of this....!! This proves to me that fraud alerts do NOT work!!! I know the credit card company is responsible for contacting me which makes them at fault! But.... What else can I do instead of just writing the FTC!! I am so sick of writing to people and nothing getting done!!! MartysGirl
Martysgirl, I had the same thing happen to me, but from AT&T. They sent an approval letter to my old address (i recently moved) which was forwarded to me. When called AT&T about this, they said it's an automated error that sometimes occurs. What kin of answer is that?! Nonetheless, I now have a hard inquiry from AT&T on my report for an account I never applied for.
Andrew... Did you have a Fraud Alert with the credit reporting agencies??? That is the part that makes me so mad...!! They did not acknowledge the fact that I had an alert!! This is why people can get credit in other peoples names. The companies don't care!!!! MartysGirl
Hi Cyprigirl ... ;-) No, I am talking about Equifax. Can I not SUE any of these banks or credit card companies who are not contacting me like they should??? I know this last company didn't issue credit. BUT.. they still left a Hard inquiry on my credit report that SHOULDN'T be there!!!! I am sick of writing the FTC and having nothing done to help!! There has to be something else I can do to stop this!! MartysGirl
