08-21-2010 05:23 PM
If the CRA is requiring a police report, what they are really saying is that they want legal assertion by y0u (which is what a police report is, since it carries criminal penalities for any false statements you make therein) that the certificaation fiiled by the party when they requested your CR was false. It goes back, once again, to FCRA 607(a).
In thinking about this approach, that is probably your best and most direct approach you can take! I like it!
And here is why......
You just go to your police station and simply assert that "I have false information in my consumer credit file that does not comply with FCRA 607(a) and FCRA 604 I have reason to believe possible credit fraud do this reporting."
Identify each inquiry. (Of course, the police will have absolutely no idea what you are even talking about, so it will be up to you to essetially write it for them)
With a copy of this police report in hand, you can then take binding action with the CRA.
Here is the quick and easy process.
This police report is what is referred to under FCRA 603(q)(4) as an "identity theft report."
Then, all you have to do is write a quick and simple letter to the CRA under the provisions of FCRA 605B, asking for an immediate block of the inquiries.
You only have to do four simple and direct things in this letter:
1. provide appropriate proof of your identity,
2. a cipy of the identity theft (police) report,
3.identification of the inquires to be blocked,and
4.a statement that the inquiries do not relate to any information relating to any acount of yours, with any permissible purpose under FCRA 604.
08-21-2010 06:15 PM
I actually took the FTC fraud aff and filled out .A law enforcement offcer then placed his signature and police report number for temp use while the police report will be wriiten.Only problem I might have is I had a fraudulent medical biil that Equifax wont remove , but is finally gone for the momnet.But I have had things removed and replaced on file before as child support but finally removed it to FCRA voilation and a lot of letters to the BBB and Attorney General.That really help but took persistence a hell of a lot..Hopefully it wont re appear .
08-21-2010 06:28 PM
True, they can come back on once a fraud block is removed.
That may be significant for significant credit reportings, but we are not talking about a significant credit reporting issue here. We are taling only about getting a credit inquiry blocked from your CR from now until one year from the date of inquiry. If it comes back on after that date, it will then be past the one one year scoring date by FICO, so who cares? You are just buying months.
08-13-2012 06:14 PM
hello, i notice you have the same thing as me and i havent been able to figure out what it mean---->Credco??, do you have the number fore that?? i have some inq as well and there is NO number on any of them..
08-14-2012 01:49 AM - last edited on 08-14-2012 04:29 AM by MarineVietVet
Inquiries are becoming harder to remove lately.Here recently I have had some appear from debt collectors.These companies are just being Mod Cut and trying to damage the credit score more by placing the debt as well as the inquiry on the files.I use the attorney general in these matters.Usely googling the information will obtain numbers for the companies.If theres anything else I can help with, let me know.