fraudulent credit inquiry

[Anonymous]

I have a lot of info so tried to just bullet important points in chronological order. Not sure if I need an attorney or what to do. 1.I visited a motorcycle shop early in March interested in buying a bike. 2.March 21st 3 different inquiries show up on my CBR. One from a car dealership in another town and 2 from banks in different states. 3.I send all 3 a non pp pull letter. The car lot gets back with me advising they never pulled my CBR. I provide them proof they did and they are working on getting inquiry removed, insisting they never pulled CBR. Car lot states they actually ceased business 3/16, but still operate in other states. 4. I send a 2nd set of letters to the 2 banks as I have had no response. One bank gets back with me and faxes me a forged credit app from the motorcycle shop. Info in the app is wrong and my mortgage pymt is listed as what my CBR shows, not the amount I would know which includes PMI ins, escrow, etc. The signature is not mine! 5. I learn that the owner of the motorcycle shop used to be manager for the car lot that one inquiry is from. 6.Appears motorcycle shop owner pulled my CBR on car lot acct, obtained info, forged a credit app and forwarded it these banks. Car lot agrees and denies giving access to their CBR acct.

[Anonymous]

Wow!

Did you provide any information at all to the motorcycle shop owner, like perhaps your driver's licence to do a test drive? I'm willing to bet that, and casual conversation is where they got enough information to initiate the fraud.

1. Make sure that you save copies of the credit report with the unauthorized inquiries, and any other documentation that you've obtained.
2. File a police report - this is a crime
3. Place a fraud alert with the credit bureaus
4. Contact the Attorney General for your state and make fraud complaint/report
5. Contact a consumer attorney to file suit. You could file against them yourself, but I recommend making it as painful for them as possible (and there's rarely anything more painful than having to pay ridiculous legal fees).

I'm sorry that this happened to you. I'm glad that you caught it early on. I'm even more glad that there are steps that you can take to protect your financial standing, your privacy, and MAKE THEM PAY.

Message Edited by LilMirth on 04-15-2009 04:40 PM