UnAuthorize credit inquiry from Lexisnexis

[scrambler]

I would like to ask for advice about what I need to do with an unauthorize inquiry on my Equifax by Lexisnexis.

I am torn between calling lexisnexis and asking them to remove the inquiry as I have no bussiness with them whatsoever, or dispute the inquiry with Equifax.

What do you fellow FICOer  think is the best option.

[llecs]

Is it a HP or SP? I don't think LexisNexis is in the lending business.

Any idea as to why it was added?

[scrambler]

It's a hard pull. I don't know the reason.

They might be trying to soft me and mistakenly use a hard code.

Could be my employer, but that would be creepy.

[RobertEG]

If you have initiated no business with them, the only permissible pupose would be to offer you a firm, unsolicted, promotional offer for credit or insurance, which is required by statute to be excluded from your credit report (i.e., a "soft" pull).

However, they are a business, and not a creditor, so an offer for credit does not appear likely. 

Only the CRA knows for sure what their stated permissible purpose was.

You could send them a request under FCRA 609(A)(1) for a copy of their stated permissible purpose before pursuing further.

Alternately, you could send the CRA a dispute, with statement that you know of no permissible purpose, and have intitiated no request for business or credit from them.

Dont send a dispute to LexisNexis, as disputes over inquiries are exempted from the direct dispute process.

[0x47]

Lexisnexus screens tenants for some apartment complexes ... did you by chance fill out an application for an apartment recently?

[scrambler]

Robert

Thanks. I think dispoting this inquiry with Equifax will  be the way to go as you mentioned.

Would it be possible to do this dispute through myFICO scorewatch account?

[scrambler]

Yes! I did rent a new apartment around the time the inquiry was made.

Now. I can rest my case. Thanks guys.

[HiLine]

This type of inquiries don't affect your FICO scores, so I wouldn't worry about it 

[0x47]

Lexisnexus does hard pulls, so yes it would affect the FICO score ... ?

[HiLine]

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@0x47 wrote:

Lexisnexus does hard pulls, so yes it would affect the FICO score ... ?

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Have you checked your FICO score report?