I have been having problems over 3 inquiries from them on my TransUnion. I originally applied for the HSBC Platinum Mastercard on Jan. 25, 2012 and was approved for a whopping $300 bucks. They hard pulled me on the original date of Jan 25 and twice more on Feb. 4, 2012 and March 4, 2012 from when I was talking to them about my credit limit that I was highly disatified with. I never consented to any additional credit pull. Infact they ensured I would not. The ending result: On my Transunion...Jan. 25, Feb 4, and March 4th inquiries from HSBC.
I had been going back and forth with customer service and on their recommendation I sent a dispute on May 19th to their credit verification department. 6/25/2012 I finally get a response and was looking forward to closure. Instead they send me some generic letter telling me about the three different kinds of credit pulls ( Review, marketing, and applying for credit) and how some can be seen by others and how some stay on the record for two years and how inquiries cannot be deleted NO DUH. I waited for a response for over a month and this?
I immediately call Transunion thinking they have a magic wand and can fix this. Nope, the guy said they need to send me a statement saying they authorize the two excess inquiries to be deleted. I am telling this guy they won't delete it and he's telling me there is a process and this is the process (lol) and how they are required to delete it by law. So I am going back and forth with this guy. I left off I would mail the company a letter again..good lord
I responded to Cap one/HSBC today and mailed the following:
Your response to my inquiry dispute is unacceptable and the information that inquiries cannot be deleted is inaccurate per TransUnion conversation with me on June 25th, 2012. Please see copy of your response, dated June 11, 2012, as well as my original dispute, dated May 19, 2012.I have talked to Transunion and they said that the inquiries are required to be deleted if not authorized. Transunion requires me to send in a statement from me stating they can delete the inquiries, as well as a statement from you stating the inquiries can be deleted. I authorized a hard pull of the original application, dated Jan.25, 2012. I did not authorize for my credit to be re-pulled two more times over this same account. In fact, I was promised it would not be. Please provide me a statement authorizing TransUnion to delete the two unauthorized hard pulls, dated February 4, 2012 and March 4, 2012, so I can resolve this from my end. It is unfair to expect me to have three hard pulls on my credit over the same account when I authorized only once and it is especially unfair for it to reflect negatively on me for two years.
That was my response I mailed today. Hopefully it does not piss them off and cause them to close my account but geesh I am sick of going back and forth with these people. Should I just cancel this account before they cancel me?
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
@calihlove75 wrote:I have been having problems over 3 inquiries from them on my TransUnion. I originally applied for the HSBC Platinum Mastercard on Jan. 25, 2012 and was approved for a whopping $300 bucks. They hard pulled me on the original date of Jan 25 and twice more on Feb. 4, 2012 and March 4, 2012 from when I was talking to them about my credit limit that I was highly disatified with. I never consented to any additional credit pull. Infact they ensured I would not. The ending result: On my Transunion...Jan. 25, Feb 4, and March 4th inquiries from HSBC.
I had been going back and forth with customer service and on their recommendation I sent a dispute on May 19th to their credit verification department. Today, 6/26/2012 I finally get a response and was looking forward to closure. Instead they send me some generic letter telling me about the three different kinds of credit pulls ( Review, marketing, and applying for credit) and how some can be seen by others and how some stay on the record for two years and how inquiries cannot be deleted NO DUH. I waited for a response for over a month and this?
I immediately call Transunion thinking they have a magic wand and can fix this. Nope, the guy said they need to send me a statement saying they authorize the two excess inquiries to be deleted. I am telling this guy they won't delete it and he's telling me there is a process and this is the process (lol) and how they are required to delete it by law. So I am going back and forth with this guy. I left off I would mail the company a letter again..good lord
I responded to Cap one/HSBC today and mailed the following:
Your response to my inquiry dispute is unacceptable and the information that inquiries cannot be deleted is inaccurate per TransUnion conversation with me on June 25th, 2012. Please see copy of your response, dated June 11, 2012, as well as my original dispute, dated May 19, 2012.I have talked to Transunion and they said that the inquiries are required to be deleted if not authorized. Transunion requires me to send in a statement from me stating they can delete the inquiries, as well as a statement from you stating the inquiries can be deleted. I authorized a hard pull of the original application, dated Jan.25, 2012. I did not authorize for my credit to be re-pulled two more times over this same account. In fact, I was promised it would not be. Please provide me a statement authorizing TransUnion to delete the two unauthorized hard pulls, dated February 4, 2012 and March 4, 2012, so I can resolve this from my end. It is unfair to expect me to have three hard pulls on my credit over the same account when I authorized only once and it is especially unfair for it to reflect negatively on me for two years.
That was my response I mailed today. Hopefully it does not piss them off and cause them to close my account but geesh I am sick of going back and forth with these people. Should I just cancel this account before they cancel me?
Freeze your reports.
Very simple process.
I agree it sucks; however, I'm really trying to hard to understand this rationale for just closing a card. You recently established it, your CL suggests your report or your income isn't all that it could be (my report sucks more almost certainly), and you should probably be idling for a while anyway while your credit improves. Add this to the fact that TU is the least popular bureau to pull from anyway, and the other two inquiries are easy to explain on a recon if you have to.
Ultimately they don't have to remove the inquiries, but in another 9 months they're all completely irrelevant anyway, and that's pretty short by FICO timelines.
@Revelate wrote:I agree it sucks; however, I'm really trying to hard to understand this rationale for just closing a card. You recently established it, your CL suggests your report or your income isn't all that it could be (my report sucks more almost certainly), and you should probably be idling for a while anyway while your credit improves. Add this to the fact that TU is the least popular bureau to pull from anyway, and the other two inquiries are easy to explain on a recon if you have to.
Ultimately they don't have to remove the inquiries, but in another 9 months they're all completely irrelevant anyway, and that's pretty short by FICO timelines.
My transunion fico score is 747. Do I really need them? I don't know.I have Chase Freedom , Chase Amazon Visa, Amazon Store, and Fingerhut. Would it really hurt me to get rid of them? I don't know. I just don't like how they are treating me
Thanks for the post.
I've been thinking about calling HSBC and asking for a CLI since I opened the card back in January and it's going to hit 6 months... how can I make sure they don't HP me? 
they also gave me a $300CL *sigh*
@2NE1 wrote:Thanks for the post.
I've been thinking about calling HSBC and asking for a CLI since I opened the card back in January and it's going to hit 6 months... how can I make sure they don't HP me?
Freeze your reports.
https://freeze.transunion.com/
https://www.freeze.equifax.com/
@calihlove75 wrote:
@Revelate wrote:I agree it sucks; however, I'm really trying to hard to understand this rationale for just closing a card. You recently established it, your CL suggests your report or your income isn't all that it could be (my report sucks more almost certainly), and you should probably be idling for a while anyway while your credit improves. Add this to the fact that TU is the least popular bureau to pull from anyway, and the other two inquiries are easy to explain on a recon if you have to.
Ultimately they don't have to remove the inquiries, but in another 9 months they're all completely irrelevant anyway, and that's pretty short by FICO timelines.
My transunion fico score is 747. Do I really need them? I don't know.I have Chase Freedom , Chase Amazon Visa, Amazon Store, and Fingerhut. Would it really hurt me to get rid of them? I don't know. I just don't like how they are treating me
Do you need them, no, but it doesn't make sense to close them before your AF comes due. Might as well milk the tradeline for what it's worth while just sockdrawering the card. On the other hand, Fingerhut? 
@Revelate wrote:
@calihlove75 wrote:
@Revelate wrote:I agree it sucks; however, I'm really trying to hard to understand this rationale for just closing a card. You recently established it, your CL suggests your report or your income isn't all that it could be (my report sucks more almost certainly), and you should probably be idling for a while anyway while your credit improves. Add this to the fact that TU is the least popular bureau to pull from anyway, and the other two inquiries are easy to explain on a recon if you have to.
Ultimately they don't have to remove the inquiries, but in another 9 months they're all completely irrelevant anyway, and that's pretty short by FICO timelines.
My transunion fico score is 747. Do I really need them? I don't know.I have Chase Freedom , Chase Amazon Visa, Amazon Store, and Fingerhut. Would it really hurt me to get rid of them? I don't know. I just don't like how they are treating me
Do you need them, no, but it doesn't make sense to close them before your AF comes due. Might as well milk the tradeline for what it's worth while just sockdrawering the card. On the other hand, Fingerhut?
LOL, I know! I know!! Fingerhut was my first and even though I have to force myself to use it twice a year, they have always been good to me so I keep them. Besides, they have my night time lip conditioner I love so they serve a purpose.
