should I dispute INQs for fraudulent accounts?

[smurfette]

So back in January I found out I was the victim of ID theft- someone applied for and received a Sears card and a Best Buy card using my information. Thankfully I have USAA monitoring so the problem was discovered in a matter of days. A police report was filed, and both accounts have been closed and deleted from my credit reports, but the inquiries for those accounts remain. I have fraud alerts on all three CRAs as a result of this ID theft, so is there any downside to disputing these INQs for removal? I'm going to be looking for an apartment and a car loan in August, and would like my report to be as clean and accurate as possible.

 

Thanks!

[prosumer]

You can dispute the inquiries. The inquiries are fraudulent as well, and don't accurately reflect your action. Just don't accidentally dispute inquiries that you initiated.

[ICANHASMUNY?]

no, don't file a regular FCRA dispute

 

it ends up in chile or india with someone who has no authority to remove, and won't investigate

 

send the request for removal to the fraud dept of the CRA in question.

 

it's FACTA dispute, and you don't send it to the std dispute address.

 

give them copies of the ID theft information - which accounts were fraudulent, and state that these inquiries were directly related to same accounts, and need to be blocked also.

 

they have 4 days to block that information under FACTA rules, not the 30 day dispute period.

 

did you follow up with the creditors ?

 

read the ID theft forum pinned topics. - all addresses and links there.

 

you want written documentation that the lenders on those accounts are well aware that it was ID theft related, you send letters CMRR, and keep an exact copy of same with the certified and signed receipts stapled.

 

so they don't sell off these accounts years later to JDB's, and if they do, you can sue due to FACTA - it's illegal for creditors to sell off ID theft accounts to JDB's.

 

and yes, it happens all the time.