TransUnion deleted 11 of my inquiries!

[Anonymous]

I saw a posting on Facebook about how TransUnion's glitch that caused information on people's credit report to disappear and then reappear without notification is illegal.  The post listed info from FCRA, section 611 (don't quote me on that) and suggested that you call TU to have your hard inquiries removed.  I called yesterday evening and was kept on hold for an obscene amount of time waiting to speak to a supervisor.  I hung up and called closer to their closing time of 11 pm and was put through to a supervisor who removed my hard inquiries and said I would receive mail from them in 5-7 business days.  Before I went to bed I checked my TU account and my score went up 13 points and there were no hard inquiries listed!

If you call the initial rep you speak to may try to give you the runaround and tell you some carp about notifying those creditors.  Kindly ask to speak to a supervisor, I guess the initial rep is their first line of defense to ward off callers.  

Now I'm saying a special prayer that Equifax and Experian also suffer a glitch so I can reap some more! 😂

[Anonymous]

I had almost the same thing happen to me yesterday. I called them about another matter. I also had 12 inquiries from car shopping that were due to fall off in October of this year. I asked the supervisor if there was a way to remove those early and she removed all 12 of them with no questions asked.

Where did you go to see that your TU score increased 13pts?

[RobertEG]

There is no violation of any provision of the FCRA if a CRA reinserts accurate information that was not deleted by some other provision of law.

The only provision of the FCRA regarding the reinsertion or previously deleted information is if the deletion resulted from the finding in a dispute under FCRA 611(a) that the accuracy of disputed information could not be verified.

If the CRA, through some admin foulup, deleted inquires (or other information) and then reinserts the information, there is no violation of the FCRA.

If, as in your situation, the CRA agrees to delete, that is their perogative.

That, however, does not establish that the deletion was required under any provision of the statute.

I would not advise filing of disputes based on reinsertion of inquiries by the CRA unless the deletion resulted from a clear finding in a prior dispute that the inquiry was deleted based on a finding of inaccuracy.

[Anonymous]

That is absolutely correct and some consumers are blowing up their phone lines ,being dishonest about their inquiries . This essentially is just harming other consumers who have serious issues they need help with such as being identity theft victims.

[Anonymous]

Guess I'm just lucky then! * shrugs* 

I logged into my Transunion account to see if the inquiries were removed and when I refreshed my score, it had gone up 13 pts.

[Anonymous]

Glad that it worked for you but never believe anything about legal advice given out on FB,  It is the source of more erroneous information than almost any media in existence.

[Anonymous]

Yes, I know - everything on the innanet isn't always true! 😆Honestly, I saw the post and decided to try it because I did experience the removal/replacement of my inquiries which confused the hell outta me. I figured all they could do is deny or grant my wish, and luckily they granted it.

[Anonymous]

Got this info from a credit and debt Law Attorney. May be helpful if your inquiries are not removed by TU and you are thinking of filing a suit. Considerations

If a consumer files suit against another individual or company for violating the FCRA, yet the court determines that the defendant did not, in fact, break the law and the plaintiff filed their lawsuit merely to inconvenience or harass the defendant, the court will dismiss the case. If the judge determines the plaintiff filed the suit in bad faith, she has the ability to order the plaintiff to compensate the defendant for any money it expending defending itself against the frivolous lawsuit.

[RonM21]

OP it is nice that they removed them for you. I think in most cases this would not be the end result though for the reasons already mentioned.

[Anonymous]

I'm in a credit repair group on FB and we have all done this and have been successful....the group has about 10K members....those who did it the proper way had them removed. My Vantage and Fico score have gone up since.