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Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008

How do I dispute an inquiry??

There are 2 inquiries from the same company on my reports that I have never worked with and I want to get them deleted.  I noticed Equifax allows me to dispute that information online, but the other 2 bureau's I can not find any easy way to do it.  Is through the mail the only way?

 

Thanks!

7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Established Contributor
gdtobefree
Posts: 536
Registered: ‎01-24-2008

Re: How do I dispute an inquiry??

There is a rule, NEVER dispute Inq's through a CRA

 

I would send the person reporting the Inq a letter directly to them

 

Is it a creditor or a collection agency?

 

If it is a CA send them a DV for an UNKNOWN debt

Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008

Re: How do I dispute an inquiry??

Why should you never dispute an inquiry through a CRA?
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: How do I dispute an inquiry??


nicktheman wrote:
Why should you never dispute an inquiry through a CRA?

 

You'll get hit with a fraud alert. IMO, I'd dispute via mail if I suspected identity theft, but if there's a TL reporting as a result of that inquiry, then there's a chance that TL will either be deleted or the account closed.
Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008

Re: How do I dispute an inquiry??

I already had a fraud alert on my credit report...what does that do?  Lower my score??
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: How do I dispute an inquiry??

No, it actually is a good thing if there's a chance for ID theft and the like. No impact on your score at all. It is just a pain in the butt if it were added and you weren't expecting it. It also makes it harder to app for credit and can be difficult to remove. IMO, if the inquiry isn't yours, then go for it. Just make sure that there's no TLs reporting as a result of that inquiry.
New Visitor
Jamistar313
Posts: 1
Registered: ‎02-15-2012

Re: How do I dispute an inquiry??

"If it is a CA send them a DV for an UNKNOWN debt"

 

What is this? I just had something show up on my credit report for the first time that isn't mine, and have no idea how to proceed. Any detailed steps? Totally confused. Anderson Financial is the one trying to collect.

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: How do I dispute an inquiry??


Jamistar313 wrote:

"If it is a CA send them a DV for an UNKNOWN debt"

 

What is this? I just had something show up on my credit report for the first time that isn't mine, and have no idea how to proceed. Any detailed steps? Totally confused. Anderson Financial is the one trying to collect.


DV = debt validation letter

 

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

Regular Contributor
stoopidmunkee
Posts: 207
Registered: ‎01-28-2009

Re: How do I dispute an inquiry??

I've disputed in the past never had a problem.
CITI - $3500 - CAP1 - $750 - RZMC - $600 - BOA - $600 - CAP2 -$500 - Credit Union $500

TU: 707 (From Wal-Mart's website) * Finally made the 700 club!!!!!!!*
Mega Contributor
RobertEG
Posts: 17,236
Registered: ‎03-19-2007

Re: How do I dispute an inquiry??

[ Edited ]

If you wish to dispute an inquiry direclty with the person who submitted the inquiry, they can simply dismiss it without any need to respond on the merits.

Issues relating to credit inquiries are specifically exempt from the direct dispute process.  16 CFR 660.4(b)(iii).  Disputes of inquiries are only provided by way of a dispute with the CRA.

 

Disputing inquiries through the CRA is difficult, primarily because of the way the inquiry process works.

When a party makes a request for a consumer's credit report, they must provide a certification under FCRA 604(f) and 607(a), providing  one or more of the permissible purposes set forth in section 604.

The CRA accepts the truthfulness of such self-certifications, so has their behind covered in providing them your CR.  To challenge the permissible purpose, you must find out what was provided to the CRA, and then challenge its accuracy.  If the CRA simply relies on the submitted certification, they can verify under their own reinvestigation authority.

A real catch-22.

 

You can submit a request for the certification provided to the CRA by sending the CRA an information request under section 609(a)(1) and (2), which entitles the consumer to any information in their credit file.  Then you would have factual information upon which to challenge accuracy of the inquiry.

 

Its a long process, and by the time concluded, the inquiry will most likely no longer be included in credit scoring.


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