Is it worth disputing inquires that you know aren'... - myFICO® Forums

Anonymous · ‎08-30-2013

Hey all,

Have a couple inquires that I know aren't mine, and one that might have been from a baddie that aged off. These are all inquires that are HPs, I'm not super worried about them since my legit inquires are after them, but I figured it was worth asking. My fear is that it might trigger a fraud alert. Before I found these forums I tried disputing with Equifax since they let you do it online, and always come back with: "Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor." Why even let me dispute it online then?

Anyway here's what on all my reports, I've bolded the ones I know aren't me, italized the ones that might be old CAs but they're not on my report anymore, and the plain ones were just me being stupid

GECRB/WALMRT

07/24/2013

TransUnion

NAVY FCU

07/23/2013

Equifax

NAVY FCU

07/22/2013

Equifax

NAVY FCU

07/20/2013

Equifax

NAVY FCU

07/20/2013

TransUnion

CHASE BANK

07/02/2013

Equifax

CHASE BANK NA

07/02/2013

Experian

CAP ONE

06/13/2013

Equifax

CAP ONE

06/13/2013

Experian

CAP ONE

06/13/2013

TransUnion

1 PREMIER

06/11/2013

Equifax

GECRB/WALMRT

06/11/2013

TransUnion

USAA SB

06/10/2013

Equifax

CAP ONE

06/09/2013

Equifax

CAP ONE

06/09/2013

Experian

CAP ONE

06/09/2013

TransUnion

GECRB/GAP

05/22/2013

TransUnion

VERIZONWIR

05/17/2013

Equifax

DISH NETWK

05/16/2013

Equifax

USAA SB

01/22/2013

Equifax

MERRICK BK

01/22/2013

TransUnion

TRAK 1 - Thought it wasn't me, it was done by my landlord

12/15/2012

Equifax

EOS CCA - Maybe an old baddie?

09/10/2012

Experian

OMNIFIN

07/17/2012

Equifax

OMNI FINANCIAL OF LA I

07/17/2012

Experian

SPRNTNXTL

05/30/2012

Equifax

CONSERVE CSG - No clue

05/24/2012

TransUnion

FMS INVEST - Old baddie?

01/29/2012

TransUnion

WELTMAN WEIN - Another old baddie?

10/11/2011

TransUnion

MILTCREDIT

09/28/2011

Equifax

AMEX

08/31/2011

Experian

Worth doing or let them age off on there own? My credit is no means perfect and getting rid of some inquires is not going to help my score (because I have a bagillion others lol)...

Oz

rckstrscott · ‎08-30-2013

@Anonymous wrote:
Hey all,

Have a couple inquires that I know aren't mine, and one that might have been from a baddie that aged off. These are all inquires that are HPs, I'm not super worried about them since my legit inquires are after them, but I figured it was worth asking. My fear is that it might trigger a fraud alert. Before I found these forums I tried disputing with Equifax since they let you do it online, and always come back with: "Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor." Why even let me dispute it online then?

Anyway here's what on all my reports, I've bolded the ones I know aren't me, italized the ones that might be old CAs but they're not on my report anymore, and the plain ones were just me being stupid

GECRB/WALMRT
07/24/2013
TransUnion

NAVY FCU
07/23/2013
Equifax

NAVY FCU
07/22/2013
Equifax

NAVY FCU
07/20/2013
Equifax

NAVY FCU
07/20/2013
TransUnion

CHASE BANK
07/02/2013
Equifax

CHASE BANK NA
07/02/2013
Experian

CAP ONE
06/13/2013
Equifax

CAP ONE
06/13/2013
Experian

CAP ONE
06/13/2013
TransUnion

1 PREMIER
06/11/2013
Equifax

GECRB/WALMRT
06/11/2013
TransUnion

USAA SB
06/10/2013
Equifax

CAP ONE
06/09/2013
Equifax

CAP ONE
06/09/2013
Experian

CAP ONE
06/09/2013
TransUnion

GECRB/GAP
05/22/2013
TransUnion

VERIZONWIR
05/17/2013
Equifax

DISH NETWK
05/16/2013
Equifax

USAA SB
01/22/2013
Equifax

MERRICK BK
01/22/2013
TransUnion

TRAK 1 - Thought it wasn't me, it was done by my landlord
12/15/2012
Equifax

EOS CCA - Maybe an old baddie?
09/10/2012
Experian

OMNIFIN
07/17/2012
Equifax

OMNI FINANCIAL OF LA I
07/17/2012
Experian

SPRNTNXTL
05/30/2012
Equifax

CONSERVE CSG - No clue
05/24/2012
TransUnion

FMS INVEST - Old baddie?
01/29/2012
TransUnion

WELTMAN WEIN - Another old baddie?
10/11/2011
TransUnion

MILTCREDIT
09/28/2011
Equifax

AMEX
08/31/2011
Experian

Worth doing or let them age off on there own? My credit is no means perfect and getting rid of some inquires is not going to help my score (because I have a bagillion others lol)...

Oz

Disputing will almost certainly not work -- They are very, very rare to have success with inquiry disputes.

If they are not yours, you should file an indenity theft report with your local police department. If you send that to the CRAs they will remove right away

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790

RobertEG · ‎08-30-2013

The issue with inquires is that the CRA can fill a request for a consumer's credit report as long as the party has provided a statement of permissible purpose that meets one or more of the situations set forth in FCRA 604. That statement is self-certifying, and as long as the CRA has no independent basis to question the truthfulness of the stated purpose, they provide the credit report. Once the report has been provided, the cat is out of the proverbial bag, and cannot be "undone."

The CRA is indirectly stating that the inquiry included the required statement of permissible purpose, and thus the issue is not with them.

If the consumer has basis for contesting the accuracy of the inquiree's permissible purpose, they are passing the buck to the consumer to provide some basis, such as contacting the inquiree and determining what they provided as their permissible purpose.

If the consumer can provide independent showing that the requestor provided an improper permissible purpose to the CRA, then there might be basis to contest.

Otherwise, they are not going to challenge its accuracy.

A major problem in contesting the basis for an inquiry with the party who requested the report is that all issues pertaining to credit report inquiries are specifically exempted from the direct dispute process under the implementing rules at 16 CFR 660.4.

Thus, a consumer cannot require response by way of direct dispute of the accuracy of the inquiry. The basis for that exemption is that direct disputes pertain to the accuracy of credit reporting by a "furnisher," and credit inquiie are not the reporting of information to a consumer's credit file. They are just the opposite.... a request to see what others have reported.

In the end, the only way to force consideration of a dispute over a credit report inquiry is to get the issue before a court, and thus require the inquiree to produce documentation of their permissible purpose. By the time that process wends its way, the inquiree has almost always passed one year, and thus is no longer affecting the consumer's scoring. Few are inclined to bring civil action to contest a credit inquiry.

.

Anonymous · ‎11-24-2014

Way late in replying but what is "MiltCredit?" I have that on my report but I never applied for anything during that timeframe. Thanks for the help.

Anonymous · ‎11-25-2014

Could be these guys:
https://www.militarycredit.com/

Are you associatedwith the military in some way?

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