motoracer wrote:
has anyone ever called thier local bank loan officer and just asked to remove the inquirey?
Not exactly, but sorta.
Called EX about an address on my CR where I've never lived. They said it's associated with an INQ from BOA in October.
Visited BOA branch yesterday. They were focused on looking for accounts in my name that weren't mine and not as much on the inquiry itself. Could find NOTHING. No requests for CCs, LOCs, etc. No odd or strange accounts. Just checking and savings.
I called BOA today at the number showing on my EX CR. On the phone for 45 minutes, on hold for much of it, transferred several times, and nothing to show for it.
Started nice, remained calm, didn't yell or call 'em F***ers or anything. Finally asked about a BOA department that handles CRA disputes. Here's the gist of it from there.
Them: "You need to contact EX."
Me: "EX confirmed to me over the phone that BOA made the inquiry using this incorrect address."
Them: "You need to contact EX."
Me: "No, I mean when someone disputes what BOA put on a credit report, who do I talk to at BOA?"
Them: "You need to contact EX."
Me: "FCRA requires a creditor to investigate a dispute when the furnisher provides incorrect info."
Silence. On hold again for about 10 minutes. Legalism always changes the conversation.
Them: "Consulted with colleagues, you need to contact EX."
Me: "So you really want me to dispute with EX, in writing via CMRRR so it will stand up in court when we end up there, just so I can come back to BOA with a written dispute via CMRRR?"
Them: "Umm, ah, er, sir."
Me: "Because once there, if you refuse to investigate, that's willfull non-compliance with the FCRA, and I'll win easy. Those awards can go tens of thousands of dollars."
Them: "Sir, I didn't put you on hold to make you go away. I truly wanted to research this."
Me: "That's why I stayed on and why I'm documenting the time and length of the call. For court, if we get there. Are you willing to provide a reference # for this call? Or a name? First only? Or some pseudonym?"
Got a name and an offer of a supervisor's name and number. No need at this point. Hoped I could press them gently into deleting the inquiry, or recoding it and correcting the address.
No dice. Sent off a CMRRR dispute to EX. Step 1 before disputing with OCs under FCRA and then suing them is dispute with the CRA.
