Sherri
Emeryville,#2Consumer Suggestion
Wed, September 17, 2008
Your issue is NOT with Transunion..Credit Reporting Agencies do NOT dispute inquiries. The part of the FCRA you quote refers to accuracy of account information. You do not specify if the inquiries are "hard" (seen by others when they pull your credit and can impact your FICO score) or "soft" (not seen by others when they pull your credit, and may be for the purpose of marketing, from a junk debt buyer/collection agency, etc. These do NOT impact your FICO score. What you need to do is send a letter to the companies making the HARD inquiries, Certified Mail, Return Receipt Requested, asking them what is their PERMISSIBLE PURPOSE. Address City State Zip Code To Whom It May Concern: I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC ?1681b) for an entity to view a consumer's credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC ?1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;" You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. Please contact me immediately at the address listed below. Sincerely, Consumer Address City State Zip Code If they are "soft" inquiries, you can "opt out", which will stop you from getting junk mail and offers of credit cards, insurance, etc. Instructions on how to do this is on the websites of all of the Credit Reporting Agencies. I have actually found Transunion to be the most helpful when it comes to solving reporting issues that are within their scope. Unfortunately, they are correct in that they do not dispute inquiries.