Here's a letter I sent to NCO and they removed their hard inquiry:
December 1, 2007
NCO Group
507 Prudential Road
Horsham, PA 19044-2308
USPS Certified Mail # xxxx xxxx xxxx xxxx xxxx – Return Receipt
RE: Unauthorized Credit Inquiry
Dear NCO Group:
On July 17, 2007 your company made an unauthorized hard inquiry into my TransUnion credit report. It is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B)) for an entity to view a consumer’s credit report without a "permissible purpose,"
I have not authorized your company to pull my credit report, nor have I ever applied for credit, employment or insurance with your company. NCO Group has violated the FCRA § 604(A) by obtaining my credit report for debt collection efforts unrelated to a credit transaction (Pintos v Pacific Creditors Association, Case No 04-17485, 9th Circuit Court).
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact TransUnion to have your illegal hard inquiry removed.
Please forward me documentation that you have had the unauthorized inquiry removed.
I wish to communicate solely in writing. I can be reached at the address listed above. Do not call me at any time or place.
Sincerely,
Dwarfess
That is great that they removed it for you, hard inquiries can lower your score. good job thanks for sharing.
It can be done!
Way to go! I appalud you. Now check your 3 credit bureaus and make sure it off all 3. If not do the same thing with them individually. Make them take it off. Its the law. Im so glad someone is finally getting that message. Throwing my hat in the air.
What you done is great. Do make sure you recheck your report and verify that they removed from all three.
Okay we went from a credit forum to a presidential link. Does anyone think we can make some compaints about debt collectors and they will listen?
help
I got a call from NCO today and I believed it's about my repo back in 2000. I just pulled my credit report from the 3 credit bureaus and it is not there anymore. So my question is, can NCO still have rights to harrass me eventhough my credit report shows no proof of this?
I need your advise.
Thanks.
Credit Bureau not removing credit inquiry
I sent a similar letter to both the credit union and the company that did the unauthorized inquiry. Still have not heard back from the company, but the Credit bureau claims that they investigated the inquiry and found it to be of "factual record". How is this possible? I never authorized it, does anyone have any suggestions to a possible followup letter to the credit bureaus?
Credit Bureau not removing credit inquiry
Hi Inquirer,
You can first let the creditor know that they have not responded to your request so you dispute the claim through a debt dispute letter. See what they say, then you can contact the credit bureaus again.
If you do not agree with the reports, you can file a short statement in your record stating your part, that you think that some mistake has been made.
Thanks,
Aaron