Back in 2001 I settled *one* WF inquiry on Equifax for $1,000.
Because CreditData SW didn't disclose the permissible purpose, I thought the Wells Fargo inquiries on Experien were promos. Now I'm sure that they were account reviews. (A/R) I had no open account with Wells Fargo and I didn't owe them, so they had no right to run my credit.
Wells Fargo reported a discharged account with a balance, and that's probably why they kept running my credit.
Of course I settled ALL claims when I signed the settlement agreement with Wells Fargo. It looks like the CreditData SW failure do disclose the PP caused some serious damages.
And that's one reason why it's so important that these soft inquiries are disclosed to consumers. I recently asked for the inquiries and PP in the last 2 years for the CIC tri-merged reports:
Exhibit AN-2: 2/28/04 letter to CIC attorney Courtney Vaudreuil
The Wells Fargo inquiries were in 2001, maybe they don't even have the records anymore.
I'm requesting an extension to respond to their motion for summary judgment, there were and still are so many problems with CreditData SW and Experian.
Posted by Christine at March 5, 2004 06:47 PM