Clarity Services - Unauthorized Inquiry

[Anonymous]

Been rebuilding my credit for a mortgage in a few months, today I get a ding from myfico that my score dropped 4 points due to an inquiry from Clarity Services. I have no idea who this is so I googled and found out it is a credit reporting company that obtains reports for pay day loans, buy here pay here car companies etc, I have never applied for anything of the sort. I googled and saw they are forming a class acting lawsuit in Illinois against this company for unauthorized pulls and there are many complaints with the BBB.... NOW what do I do??? I am calling them first thing in the morning, but what if they put up a fight and refuse to remove? I did not apply for anything that would warrant this at all and now it's not helping my score....

Frustrated.

[Anonymous]

This sounds like fraud.  I had this happen to me several months ago!  I had 500.00 deposited into my checking account???  So I asked the bank, got all the info.  Checked my credit & yes, same inquiry.  It was not me.  Someone was actually stupid enough to get a payday loan & have it deposited into my checking account.  I had the money taken out the next day & got the inquiry removed.  Change your debit card number right away.  

[Anonymous]

Clarity Services was your inquiry too???? Awe!!!!

[Anonymous]

Yep. And it looks bad on your credit!  Looks like you're huritng for money!

[Anonymous]

Omg thank you for the quick response, I'll be on it tomorrow morning.

[RobertEG]

See FCRA 616(a)(1)(B) for civil liability of a party for actual damages for obtaining a credit report under false pretenses or knowingly without a permissible pupose, and section 616(a)(2) for punitive damages.

[Anonymous]

Well! Thought I would post an update. I called Experian and they are removing this immediately, but here is a response I received back from clarity as well.. Just in case anyone else gets hit with this:

Ms. ,

If you are contacting Clarity Services, Inc. due to an inquiry on your Experian file that identifies Clarity Services “test”, please note that Clarity experienced a system error between the hours of 8:30am – 11:30am Eastern Time on Saturday, April 11th. As a result of the system error, inquiries may have been submitted to your Experian file by Clarity. These inquiries were not the result of a data breach or an identity theft. Clarity is working closely with Experian to quickly resolve this matter.

Clarity will provide you with an update as soon as possible regarding the resolution of this matter.

Regards,

Consumer Specialist consumers@clarityservices.com 1-866-390-3118 Fax: 727-712-9040

  PO Box 5717   Clearwater FL 33758   www.clarityservices.com

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I am still concerned how they had my SSN anyways!

[Anonymous]

Well the inquiry was removed today and my scores did NOT go back up, including the mortgage score... Why didn't I gain back the four points I lost when the inquiry hit?

[gdale6]

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@Anonymous wrote:
Well the inquiry was removed today and my scores did NOT go back up, including the mortgage score... Why didn't I gain back the four points I lost when the inquiry hit?

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If nothing else changed from the time the inquiry was reported you have gained back the points, its most likely an inquiry being removed isnt a trigger to update the score.

[Anonymous]

Nothing else changed on my reports so i purchased a report and scores did not improve since inquiry lowered them