Who can you sue for inquiries

I would say that you could only sue the creditor for "placing the unauthorized inquiry".

However, you could sue the CRA for "not investigating the item on your report" as required by the FCRA.

2 different claims but you can still win a suit against either one if you gather the correct proof.

-Peace, Dave

 

Nave, the CRA always say they cannot investigate inquires. Which one of them actually investigates and how do you do it

 

That question has no answer Or more appropriately has two answers, none and all.

I (and others here) have had inquiries deleted (at times) by Experian, Equifax and TU.

We have also ALL gotten the "Inquiries are a matter of fact" letters as well as the "You must contact the creditor to have this investigated" letter which, we contend, is a violation of the FCRA.

So you just gotta try and get the dispute entered into the system...IF you can, there is a good chance it will be deleted, but more than likely you will have some trouble actually getting the CRA to begin the investigation.

Hope that helps...Actually, I kinda think it wont )

 

On my last three unauthorized inquiry, I send the letter to their CEO, then followup with a intent to sue, normally, it gets forward to the legal department, and this ppl delete the inquiry within "24-48"hours..

 

Where did you get your information? Please provide the section of the FCRA you are referring to.

-Peace, Dave

 

But I've also read here about the Greenblatt
decision.

I believe it states that the consumer can also sue.

And someone here has indicated that in Cali
you can sue for $2500. (I haven't researched this myself though)

 

yes Caly..up to 2500, I read it from on a report mail by Experian...

 

Someone did me the favor of point out this thread at Bayhouse, and so now it's my turn to return the favor.