Like I said, it's just BS. Show me where in the Patriot Act car dealers are included. And show me where it says CREDIT inquiries are necessary for Know Your Customer laws. Seriously that reason pisses me off...what bad people don't have credit reports?! Also last I looked at mine, there was no "bad person" or "good person" data in the biographical section, heck it didn't even have a prior conviction(s) section. Maybe I'm missing the super secret part of credit reports that only dealers can see lol.
I understand if you don't want to fight it since it's only an inquiry, but if you feel like fighting, look at my post two above yours. Keep in mind, if they take it off, it could trigger a fraud alert which is a small hassle but you can get those taken off by sending ID or just waiting out the 6 months. Does nothing damaging to your credit.
