How to dispute un-authorized Credit Inquiries online

[MYRLORA]

Does anyone knows how to dispute Credit Inquiries that are not yours online? All the Credit Bureaus offer disputes online for accounts, etc. but not for un-authorized Credit Inquiries.

Thanks ahead,

Raul

[Anonymous]

The credit bureaus will tell you that you need to dispute the inquiry directly with the company or lender who made the inquiry.  I'd start by contacting that company or companies directly.

[MYRLORA]

I did, but both companies (T-Mobile & Sprint) do not provide letters nor assist on disputes with Credit Bureaus...unbelievable!

Somebody got a hold of my identity and requested a credit check to open accounts with both of these Companies; fortunately I contacted them and they do not show any account being opened under my name.

What happened was that I had received an alert from my credit card company that a suspicious purchase was done with my credit card at an AT&T store; I imediately contacted the CC company and disputed the charge and requested a new card due to potentlal fraud. However; in the meantime, I guess whomever got my identity went to Sprint & T-Mobile, and instead of using a card, they tried to open accounts with my credit. As soon as I received my FICO notification, I placed a Fraud Alert on my credit, but the inquiries are there and I want to get rid of them. The problem is the Bureaus are telling me they need a letter from the creditors (T-Mobil & Sprint), but they do not provide assistance with letter due to un-authorized credit inquiries.

[Anonymous]

Maybe contact the consumer financial protection bureau with any proof you have, also maybe a police report, you are a victim of identity theft.

[RobertEG]

File a police report and send it to the CRA, along with a fraud affidavit and proof of your identity.

Request block of the information that resulted from your assertion of identity theft from any credit reports they issue.

FCRA 605B.  That process requires NO input from or concurrence of the creditors.

You cannot file a direct dispute with the party who made the inquiry.

The direct dispute process explcitly exempts any direct disputes pertaining to inquiries.

Disputing with the CRAs is normally futile, as they will almost assuredly rely upon the (false) statement of permissible purpose provided to them by the inquiree as factual support for their having filled the credit report.  They cannot "undo" having sent the CR.

You need to use the identity theft process as opposed to the dispute process.  The entire reason why congress enacted the identity theft amendments to the FCRA was in recognition of the lack of ability of the FCRA dispute process to handle identity theft matters.

[Officer737]

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@RobertEG wrote:

File a police report and send it to the CRA, along with a fraud affidavit and proof of your identity.

Request block of the information that resulted from your assertion of identity theft from any credit reports they issue.

FCRA 605B.  That process requires NO input from or concurrence of the creditors.

You cannot file a direct dispute with the party who made the inquiry.

The direct dispute process explcitly exempts any direct disputes pertaining to inquiries.

Disputing with the CRAs is normally futile, as they will almost assuredly rely upon the (false) statement of permissible purpose provided to them by the inquiree as factual support for their having filled the credit report.  They cannot "undo" having sent the CR.

You need to use the identity theft process as opposed to the dispute process.  The entire reason why congress enacted the identity theft amendments to the FCRA was in recognition of the lack of ability of the FCRA dispute process to handle identity theft matters.

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Some agencies may not view this as identity theft as the actions was not completed and the victim did not sustain an actual loss so to say. If the agency does not issue an identity theft report since no actual theft took place, request an information report. These are reports for informational purposes only and requires far less requirements. This also alleviates issues on trying to determine jurisdictional venues. 

[MYRLORA]

I guess I'm going to have to go this route as I am not getting anywhere with neither the CRA nor the creditors. Thanks guys for you imput.

[RobertEG]

FCRA 605B mandates that "a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft..."