Lender "Repository Reissue" inquiry? As a seperate Hard Pull?

[RodnryBD]

Hi, long time reader, first time poster in need of some advice- in the last two years I have successfully applied for a home loan and a refinance of that loan with a few different lenders. So far so good. On April 10 2012 my original lender ran my credit and Kroll Factual Data (on behalf of that lender) is shown as a Hard Pull on all three of my reports. Still so far so good. But, on ONLY my Equifax report Kroll has a entirely seperate Hard Pull about a month later, May 12 2012. It is shown as a Soft Pull on my Transunion report, and doesn't show up at all on Equifax.

 

In addition, this mystery Hard Pull on my Equifax report is listed completely seperate from the April 10 inquiry, UNLIKE my other lender inquiries where multiple dates are grouped together in "one entry" from the Creditor.

 

Action taken so far: I did an online dispute for the May 12 inquiry with Equifax and was denied. I called Kroll Factual Data, and they explained the lender uses their software and makes the inquiry, but then here is where things got weird- Kroll had in their records the April 10 inquiry. Ok. Then the rep said, hmm, not sure what this May 12 inquiry is, appears to be a "repository re-issue" inquiry, and then she said she wasn't sure if is was a hard pull or soft pull.

 

What should I do, should I go back and protest again to Equifax? Or should I go back to the lender? I would prefer to avoid contacting the lender as they totally screwed up my closing, and they are generally a bunch of salamanders. Would very much appreciate any ideas, Thanks!!!!

[hegemony]

the lender probably has PP for at least 90 days from your application. I would never dispute a legit inquiry. Isn't standard practice for most home loans to have a second pull around the time of closing? all my mortgages have worked that way.

[SystemFighter]

I always understood a final pull before close as well.