- Centurion Member
- Posts: 119
- Joined: Fri Sep 28, 2012 9:22 pm
- Location: Texas
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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