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Inquiry?

The last post in this topic was posted 971 days ago. 

 

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Hi all, first post on this board so please forgive my newbie question. I've just received a copy of my 1st Chex report. I didn't even know this system existed until a few weeks ago and promptly requested a copy of my report. The only thing on my report is under a section that says "Inquiries Initiated by Consumer Action." There is one inquiry from a company I've never heard of in Georgia. That inquiry is on behalf of another company I've never heard of in Utah. I am in Texas. A google post of the "on behalf of" company tells me that Direct Financial Solutions may also be called Cash Central. I have never inquired at one of those Cash Central places but I did get some mailers for a while from one. Again, no idea why and just assumed it was spam mailers.

 

Should I be disputing this inquiry or is this a typical thing for Chex (and not a cause for concern on identify theft)?

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Chexsystems like other CRAs sell and share your identifyng information (called the credit header). It contains your name, address, etc. Marketers send spam mail according to location and other internal "profiling" received from CRAs.This generates the spam mailers. However, permissible purpose is required to get your exact account entries. Cash Central may be an affiliate of another company you have done business with. (You may have gotten those notices no one reads about sharing your information with "affiliates". You can opt out of some prescreened offers by contacting Chexsystems.

Edited by tmcgill

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