Hi. I live in California
Earlier this month a "predatory" home mortgage firm ran a "hard" inquiry into my credit history (I know because I have one of those product offerings from one of the big three credit bureaus that monitors and alerts me of suspicious activity).
While I talked to them on the phone a couple of times just prior to this, I never authorized an inquiry. In fact, I told them at least twice that at the present time I specifically was not authorizing any inquiries. Nevertheless, they did it, and I verified the inquiry was made at the behest of this outfit.
So I called them and asked them to get the inquiry deleted. I followed up with a certified / return receipt letter asking for the inquiry to be deleted -OR- provide me proof that it was authorized.
They are not responding and so far no deletion (I have another credit bureau product where I can run my credit report every minute if I want). Any suggestions? The most important thing to me is eliminating the inquiry, which I know is in at least 2 of the big 3 credit bureaus. I could care less about the predatory lender company, although I think they deserve punishment, I am not going to waste my time on them (unless there are suggestions as to how to help them get what they deserve that don't entail me wasting too much time and effort).
By the way, I have excellent credit, so this inquiry has no effect whatsoever, I have not had a hard inquiry in other a year except for this, but I don't want it on my credit history, it was unauthorized and does not belong there. The reason I have excellent credit is because I zealousy do everything I can to keep stuff that is truly "junk" off of it.
So, best way to fix this? (i.e. get rid of an unauthorized inquiry when the firm that did it is totally unresponsive, and, secondarily, cause the firm some grief that they deserve to get?)