CRA says they have no control over items!

[carajul]

I was able to get all my hard hits off my Equifax removed by sending a letter asking for evidence that I authorized the hits and verification. I tried the same thing with Experian and Trans Union and got letters back saying that they had no control over hard hits, and that any hard hits on the report are because I asked them to be there, and that they couldn't verify them. This sounds like a run around. Under the FCRA don't CRAs have to verify all data...including hard hits?

[scorch]

Originally Posted by carajul

I was able to get all my hard hits off my Equifax removed by sending a letter asking for evidence that I authorized the hits and verification. I tried the same thing with Experian and Trans Union and got letters back saying that they had no control over hard hits, and that any hard hits on the report are because I asked them to be there, and that they couldn't verify them. This sounds like a run around. Under the FCRA don't CRAs have to verify all data...including hard hits?

This seems to be in debate. EQ is more liberal when it comes to deleting inquiries, but EX and TU aren't really. It seems that TU and EX think that by law, hard inquiries must be reported regardless of error, but people have reported deleting EX hard hits that were initiated during a time when they had a FA on their credit reports. If you try to dispute hard hits on EX report online, you may notice that the system won't let you.

Disputing hard hits directly with the CRAs can sometimes cause the CAs to place a FA on your reports as well. This can get complicated.

Deleting hard hits may not improve your score very much. Taking care of things like collections, late pays, public records etc is more important.