Unauthorized Hard Inquery...

[Amy26]

Hi, I got 2 emails today from trans union and experian saying I had a new hard inquery...

I am wondering if anybody knows who this is:
Company:BK 1 CLLCTNS Date:Company Phone602) 674-7072Company Address:8620 N 22ND AVE
SUITE #103
PHOENIX , AZ 85021

I called the number listed but its not in service. The name sounds something like bankruptcy collections but I can't be sure. I didn't think people could do hard inqueries without my permission?

So, I'm a little peeved about this...

[aces67]

IDK. If you Google the address it come back to Bank One with a number of 888-235-3276.

Maybe try that number?

[Amy26]

hmmm... its bank 1... why would they be doing a hard inquery (I have not applied for anything with them) and I have never bk'd anything with them... so why would their collections dept be inquireing....

I'm so confused.

[AngelinaCatHub]

Grasping at straw?

Many banks service cards and other named companies. Example Lowes, Radio Shack both by Citi.

Is there any other card or actions that could be loosely tied to this bank? 'Hub

[Amy26]

Yea I know... the only non major credit cards I bk'd were Mattress Discounters (WFNNB), NewEgg (CITI), and Kay Jewelers which is through sterling.

[Amy26]

Actually, I figured out what this inquery is... it was my HOA ... the lawfirm checked my credit to get my address. They sent a certified letter to every address I had on my credit report.

Can I have this removed?

[whipster1]

Is it a property you surrendered? Why were they looking for you?

I would send them a violation of discharge letter and insist they remove the inquiry or you will take legal action.

[Amy26]

Ok, I am resurrecting this post... I need some help. I thought I knew what this inquery was but it turns out I was mistaken.

The inquery showed up AGAIN on my report on 4/30. So, now there are two... one in February and one 4/30.

When I went to refi my auto loan the bank made me supply an explaination for this inquery ...

I have no bank one accounts, none owned by bank one and I am getting really pissed off about it.

I called the number listed on the inquery...the number is not in service. I sent a certified letter to the address listed on the inquery... it was returned to me.

This inquery is not valid, I did not authorize it and its hurting my credit because it says collections.

I called TransUnion to dispute it over the phone and the Indian dude was really rude to me and kept repeating himself saying "the inquery will remain on your report for 2 years"... I told him the address and phone number they had listed was incorrect and the only response he gave me was "I suggest you check your local listings for their address".

If I sent TransUnion a nasty letter about this and send them copies of the returned letter and proof that it was returned to me... do you guys think they will remove the inqueries? Or should I go on a wild goose chase to find the creditor's real address?

[Amy26]

IDK. If you Google the address it come back to Bank One with a number of 888-235-3276.

Maybe try that number?

I called that number and it said "thank you for calling chase vehicle remarketing"

[jadams]

Strange.

If you look up the address, it seems to be an office building. Lots of things in the building.

But if you go by suite number, there is a real estate company, a "medical management" company, Bank One, and several others using the same suite number.

Bank One = Chase

Was Chase handling any of your accounts?

[Amy26]

I do have chase accounts... I have some student loans that didn't get discharged and I had 3 credit cards.

Why would chase be using BK1 CLCTNS with that address to inquire on my credit? And it appears that it had something to do with autos...

I did not have any auto loans with Chase. If I call the chase credit card customer service number do you think they would have any idea what I'm talking about?

[ForumReader]

"If I sent TransUnion a nasty letter about this and send them copies of the returned letter and proof that it was returned to me... do you guys think they will remove the inqueries? Or should I go on a wild goose chase to find the creditor's real address?"


I would try talking to somebody from management with Transunion about removing this inquiry if possible. For you to have to figure out what this inquiry was about and calling only to learn it was not in service among other things, that did not sound right. If somebody wanted to do a hard inquiry, then a phone number and address should have been valid otherwise posting hard inquiries with bogus phone numbers and addresses could be in violation of the FDCA.

[Amy26]

Thanks.

Does anybody else have any cites from the FDCA that I could use? I have this one: Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer

Or is there an easy resource for looking stuff up? I'm so upset about this ... I was crying all day cause of something that happened at work and then this just sent me over ... lol.

[ForumReader]

Thanks.

Does anybody else have any cites from the FDCA that I could use? I have this one: Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer

Or is there an easy resource for looking stuff up? I'm so upset about this ... I was crying all day cause of something that happened at work and then this just sent me over ... lol.

Hang in there , I don't remember all the cites right off the bat from the FDCA, but I am sure there may be some you could use against this inquiry and how TU insisted this inquiry stay on for 2 years. You have evidence by calling the number only to find out it was not in service. Just wondering, was TU the only one showing this hard inquiry from your CRs? Also I am wondering if all the major credit bureaus should verify phone numbers and addresses of such before tacking them to consumers' credit reports. Might be alot of work for them though

[whipster1]

You can dispute the inquiry in writing to the CRA, they will most likely put a fraud alert on your file. Bank one was bought by Chase, so they are birds of a feather, and they are plenty stupid sometimes.