Inquiry problems, worth it?

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catsartcox
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Inquiry problems, worth it?

Postby catsartcox » Sun Sep 15, 2013 7:57 pm

So, i have known about this for a few weeks, since I have signed up with Amex's credit monitoring service.
On 4/19/2013 a dealership in town somehow rain my credit. I was with a friend, helping him shop for cars. They did get my name. But somehow they pulled both mine and my fathers report(we share a name, he was not with me). I have a ding on all 3 places. I have called them a few times and this dealership says they will help but then they never call back, or ignore my calls.


They are asses.

Experian's, Equifax's and Transunion's websites does not let you dispute inquires online, Only accounts. So I will have to fill out the form for each one and mail it in.

So the reason why I told you the date, is honestly does this hurt me? It is still within a year. Does amex offer a service to have them dispute it for me? The are not open when I am out of school/work. The Credit secure number is not 24 hours.

I really don't know how they did all of this. It was not even there to buy a car. So I did not give them much. He, did have to see my license cause I went on a test drive with my friend. My dad a few months ago even got a letter in the mail saying what offers he(or I) was approved for. The address on my license is not even my dads.


I really don't know..
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)


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Terry
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Postby Terry » Sun Sep 15, 2013 8:48 pm

catsartcox wrote:So, i have known about this for a few weeks, since I have signed up with Amex's credit monitoring service.
On 4/19/2013 a dealership in town somehow rain my credit. I was with a friend, helping him shop for cars. They did get my name. But somehow they pulled both mine and my fathers report(we share a name, he was not with me). I have a ding on all 3 places. I have called them a few times and this dealership says they will help but then they never call back, or ignore my calls.


They are asses.

Experian's, Equifax's and Transunion's websites does not let you dispute inquires online, Only accounts. So I will have to fill out the form for each one and mail it in.

So the reason why I told you the date, is honestly does this hurt me? It is still within a year. Does amex offer a service to have them dispute it for me? The are not open when I am out of school/work. The Credit secure number is not 24 hours.

I really don't know how they did all of this. It was not even there to buy a car. So I did not give them much. He, did have to see my license cause I went on a test drive with my friend. My dad a few months ago even got a letter in the mail saying what offers he(or I) was approved for. The address on my license is not even my dads.


I really don't know..



The Fair Credit Reporting Act requires that companies must have permissible purpose to pull a credit report. If that company does not have permission, they are in violation of FCRA. To learn more about this subject, I have included a link to the Equifax website that might assist you with a resolution:

https://help.equifax.com/app/answers/detail/a_id/165/noIntercept/1/kw/permissable%20purpose

You will need to write each credit bureau to resolve this matter with all three CRA's.
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catsartcox
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Location: New Mexico

Postby catsartcox » Sun Sep 15, 2013 9:14 pm

Yeah, I figured thats what I have to do. I know they are not allowed to do it which out me agreeing to it. Though this car dealer decided to run it anyways.

So I will have to clean it up.

I am just wondering is it was worth the effort.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

flan
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Postby flan » Sun Sep 15, 2013 10:24 pm

catsartcox wrote:Yeah, I figured thats what I have to do. I know they are not allowed to do it which out me agreeing to it. Though this car dealer decided to run it anyways.

So I will have to clean it up.

I am just wondering is it was worth the effort.


There's a private right of action (meaning you can sue), which provides statutory damages (meaning you don't have to show actual harm), and attorney fees. So yeah, it might well be worth your effort. (And your father's...) Do your homework.

catsartcox
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Location: New Mexico

Postby catsartcox » Mon Sep 16, 2013 12:48 am

Legel action?
I was not thinking that big.
humm..I am not sure what I can prove. In a court. I mean, I have not really be keeping recordes of the calls. Like recording them and all. I guess he has some voicemails I left.
I guess the big issue with that is; Both I and my friend now live pretty far from the county this dealership is in(and each other). Do you have to file in that county?
Cause I would think he would have to come in front of the judge to be a witness, that I was not there to buy or anything.

djrez4, what do you think?
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

catsartcox
Centurion Member
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Posts: 113
Joined: Wed Jun 05, 2013 3:59 pm
Location: New Mexico

Postby catsartcox » Fri Sep 20, 2013 11:50 pm

Update, i was able to get get experian to remove the inquiry. I think they sent a alert to TU and equifax to get them to remove it as well.
Wells Fargo w/ Points - 6.2k
Discover More - 10k
Citi Forward - 3.7k
Citi Thank You Preferred - 18.5k
AMEX Blue - 16.4k
AMEX PRG- NPSL
Barclay Juniper card/Apple - 9k
GE Capital Amazon Store Card 5k

score
722(7/13) 732(8/13) 734(9/13) 743(2/14) 763(07/14) 798(3/15) 749(4/16)

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djrez4
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Postby djrez4 » Sat Sep 21, 2013 2:11 pm

I recall there not being a private right of action for an unauthorized credit inquiry. Regardless, it's not that hard to get an inquiry removed, as you've now seen. I suggest not relying on Experian to notify the other agencies. If it's worth it to you, go through the process for all three agencies. Whether it's worth it is up to you: if you don't plan on buying a house within the next six months, let it ride.
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