06-21-2012 12:44 PM
Ok so I hit a brick wall with the GW's - I decided to GW inquiries now to see what happens - at this point I just need some forward momentum!!
06-21-2012 01:08 PM - edited 06-21-2012 01:08 PM
Ok I found a nice little letter and will be sending out ten today. Below is a sample of the letter:
RE: Unauthorized Credit Inquiry
To whom it may concern,
While checking my personal credit report, I notice an inquiry made by your organization.
Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.
If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Thank you for your prompt attention to this matter, and please do not hesitate to contact me with any questions or concerns.
06-21-2012 03:17 PM
The suggested letter is couched in terms of a direct dispute, and is likely to result in a dispute being reported to your credit file.
It is not presented in terms of a GW request. They are apt to be confused by their obligation.
Did the party have permissible purpose to pull your CR? Express consumer authorization is not required if they have a permissible purpose.
What is your business relationship with them that would have permitted their access?
I would be clear as to whether you are disputing, and if so, the basis for asserting a non-permissible purpose, or whether you are requesting their good-will.
If a GW request, arguments about their authority are not apt to foster an atmosphere of good-will.
06-21-2012 03:56 PM
I was looking into a possible mortgage and the broker submitted my credit without my permission to many many different mortgage companies - ten total over the course of three weeks - I certainly did not authorize the broker to do that, but impliedly I can see how there could be a "permission" issue as to the credit checker - I am going to start with that letter and if they come back as authorized then I will GW with the precise explanation
Either way I'll keep everyone posted