In the event you receive a letter, email, or phone call from an individual claiming you pulled their credit without proper authorization, follow these steps to rectify the issue.
Verify that the customer had a credit report pulled by someone in your organization at the time of the inquiry and from the noted location. If verifiable and you can produce a wet ink signed credit application or compliant e-signed web application, you need to contact the consumer and provide proof of authorization. If you cannot produce a signed credit application in the form mentioned above, you should complete the following steps to have the inquiry removed.
- Contact the consumer disputing the inquiry and have them provide a letter requesting the inquiry removal. The letter should include bureau pulled, consumer name, date of inquiry, and SS#.
- Create an inquiry removal letter on company letterhead explaining the bureau was pulled in error and request the inquiry be removed.
- Send both letters via email, fax, or mail to CBC Support.
- CBC will forward the request to the bureau or bureaus. The request can take from 30 to 90 days to be processed.
Requesting an inquiry to be removed is acceptable under most circumstances. Each Credit Reporting Agency keeps records of inquiry removal requests and evaluates possible abuse or improper usage, and can suspend or revoke the right to pull consumer credit reports if they deem rules and requirements have not been adhered to by the subscriber. Please contact CBC for more information.
|
