How can I remove credit inquries?

[RobertEG]

Ah!

If the inquiries were not authorized by you, and you can state that affirmatively, then you have the balls in your court.

Just go to your local police station, and file a police report, asserting that you never had any relationship with those creditors that would have provided them any permissible purpose.

After filing the police report, simply send a copy to each creditor who made inquiry for your credit file, requesting, under the provisions of FCRA 609(e), all business records in their possession relating to any asserted business relationship you allegedly had with them.  They must comply with that discovery provision of the FCRA.

Any records they provide can then be used to show you were not the actual signatory on those accounts, and thus their lack of permissible access to your CR.

It starts with compelling them to provide documentary support. 

An allegation of potential identity theft is the one area of the FCRA that permits consumers to compel discovery.  I would use it.

[Jayandrew09]

These are the 4 unarthorized inquries on my Experian credit report. 

KOHLS/CAPONE 

3/25/2012 

Complete Department Stores                                                                                                                                                                                                                                                                                      

WELLS FARGO BANK 

3/17/2012 

Bank Credit Cards                                                                                                                                                                                                                                                                                                                                          

CAP ONE 

3/15/2012                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              

CAP ONE 

3/13/2012 

Bank Credit Cards

Is there 

[rootpooty]

so i take it you just turned 18? I would be serious about this if you didnt apply for any of this. So did all these inquiries result in denials? Are you sure these are hard inquires and not softs? is your address up to date? if these were indeed hard inquiries then you wouldve gotten denial letters in the mail right?

[Anonymous]

Check carefully. Are these hard inquiries and/or do you also see any of those accounts reporting on your credit report? If so stop delaying and contact the police and put out a fraud report and freeze your reports immediately.

Are these soft inquiries? If so you cannot remove them, as there is no reason to, and it is perfectly normal.

[llecs]

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@Anonymous wrote:

Check carefully. Are these hard inquiries and/or do you also see any of those accounts reporting on your credit report? If so stop delaying and contact the police and put out a fraud report and freeze your reports immediately.

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+1, and add a fraud alert. Alsom OP, if these are CapOne apps, then expect inquiries to be found on TU and EQ too. CapOne likes to pull all 3 CRs when you app.

[Jayandrew09]

These are showing up under "Hard Inquries" when I checked my free report for experian. I'll make the report and put a fruad alerty asap! 

[Jayandrew09]

They removed all the inquries, and placed a fraud alert on my report. 

[haulingthescoreup]

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@Jayandrew09 wrote:

They removed all the inquries, and placed a fraud alert on my report. 

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Good stuff. Do the same with Equifax and TransUnion, if you haven't already.

It might be innocent (a combination of someone with a name very similar to yours and the same last four on the SSN), or it might be deliberate fraud, unfortunately by someone who knows your DOB and your SSN.

I'd recomment subscribing to a credit monitoring service. Pay no attention to the "scores" that they give you, or any advice, but they're great for keeping track of what's happening with your credit reports. Check out the most recent posts on this thread for recommendations: CMS Guide

Meanwhile, I'm sorry to hear that this is happening to you. It sucks to know that someone who has access to your personal info seems to be trying a scam.