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mysterious HP on TU, no apps except amex


The last post in this topic was posted 2785 days ago. 


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«Banker's Bank of Kansas» in Wichita, KS

member of BBoK is Central Bank and Trust, in Wichita KS

Only familiar names in KS are Dorothy, Glenda, and Credit Karma, which I have not pulled in 8 mos..

WHO could this be? Inquiring minds wish to know= HELP.

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This might be a dumb question, so sorry if it is. But did you go to their website yet a read it? Maybe reading the site will trigger something in your brain and you'll have an "ah-ha" moment.



yes I did. I have been to Wichita once, in a hailstorm. No names familiar except Credit Karma is located there. Have not pulled CK in 6-8 months.


This is def. weird.

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NO, don't ask under the FCRA permissible purpose section since this could be ID theft related,


use FACTA.


Call them up , ask them for information on the application which gave them permissible purpose, Follow up with a letter to the address on the reports.



Dear- __________________



On xx-xx-xxxx, I received a copy of my credit report from TransUnion and noticed an inquiry from your firm. dated xx-xx-xxxx.


I have never applied for any credit from your Bank or affiliates, and have no other accounts with your bank.


I am concerned that this was an attempt at ID theft.


Pursuant to FACTA, please provide the following information.


A copy of account application with Signature, addresses , billing addresses and supply the last 4 digits of the Social security number associated with the account


If an account has been opened, supply all account records , and history of transactions and payments.


If an account has been opened under my name, you are now instructed to close this account under ID theft rules.


You are to remove any inquiries on my records made to any Credit reporting agency


if you do not supply the requested and statutorily required information, I will file complaints with the Consumer Financial Protection Bureau, and turn this matter over to an attorney for review and legal action.



Eagerly Awaiting your Reply,

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PS, you have to send Identifying information - a copy of a utility bill with current address and copy of your drivers license will do for an initial inquiry letter.


if they respond that this was only a case of mistaken ID ( someone with the same name , different SS# address ) then they should just remove in inquiry .


if they respond with an ID theft affidavit/ police report requirement - they need to give you sufficient information in order to fill one out.

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Thank you ICAN- I have already called and they have nothing to do with amex although TU is their primary pull. The credit card dept is working on it.


I will follow up with a letter - they are calling me back today. They appeared concerned.


Thank you all- this is the first time this has happened to me. But Wichita? pretty crazy. \\


I will follow up with results.

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