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Unauthorized Collection Agency inquiry on EX!!!!


Learnlifethehardway
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Right when I could see the light at the end of the tunnel...

 

I'm almost completely done with my cleaning up my credit, but Experian is a killing me.

 

2 weeks ago I sent "delete as obsolete" letters to TU and EX for the last of my baddies as it was within 2-3 mos. of DoFD . EQ was done successfully online. A week later the account had been deleted from my TU, and today 3/18/13 I received the official response letter from TU indicating the account had been deleted.

 

I just did my daily monitoring pull to see if by some miracle it dropped from

EX, but it hadn't which I expected, and I planned on calling anyway. :angry:

 

Business Name PLATINUM PARTNERS & AS Inquiry Date 3/18/2013 Business Type Other Collection Agencies

 

I have never received any letters or phone calls from this agency, nor have I even heard of this agency, let alone had any correspondance with them.

 

How should I approach this?


Should I dispute with EX asap online, over phone, or in letter?

Should I send a letter requesting removal directly to the CA citing Fair
Credit Reporting Act, Section 1681b©?


I've read the horror stories about disputing a unauthorized inquiry only to
have it re-verify or lead to bigger headaches. Up until now my clean up and
reestablish has been relatively headache free, so I definitely do not want to
approach this wrong and set myself back a couple more months, or worse years,
but I'm definitely itchin to bring the pain to whomever I must :aggressive:

 

Thanks in advance for any input or advice.

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