Hard Inquiries

[grn910]

I noticed on my CR there is a 3 hard inquiries from a creditor whos account has been removed off my report. The account was removed in 7/08 & the inquiries are from 9/08 & 11/08. Are they still allowed to monitor my credit reports? Can I get these off?

[Trish]

How/why was it removed from your CRs?
If they still hold ownership to a debt that you owe, they have permissible purpose and can continue to pull your CRs.

[grn910]

Its a debt sold to a CA from the OC. Ive disputed it several times. It was someone else using my name. It finally fell off after 7yr or so yrs. But they're still pulling my report.

[Trish]

Hmm.........if that's the case you should sent them a Non PP letter.
That's a violation.

Here's an example of one letter:

Non-PP Puller Company
Address
City State Zip Code

To Whom It May Concern:

I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC �1681b) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to My Credit Keeper and Trilegiant pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC �1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer
Address
City State Zip Code

[grn910]

Will this in any way cause them to put it back on my report? I disputed it originally as " past SOL" & it just came off. I never had to send for validation. But if they put it back on, cant I just start the dispute process again?

[Trish]

It shouldn't........if they do, that's another violation.