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PotO

Is INNOVIS trying to pull a fast one?

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Asking for a friend ...

 

My Innovis credit file has been frozen since early 2011 without it ever having been lifted to date.  Two months ago they sent me a notification that a new address has been added to my reports.  This notification is required by law when certain changes occur to a frozen file.  The new address is correct, so I ignored the notification.  

 

At the same time, Innovis sent me a copy of my credit report.  The report clearly states frozen since 2011.  Everything seemed in order until I scrolled down to the section on inquiries.  There was one soft inquiry from, IIRC, Sagestream / Lending Club.  

 

Q #1:  WTF is Sagestream?  Does that inquiry mean that Lending Club sorted me via Sagestream and not directly with Innovis?

 

Under hard inquiries there is one listed for late 2018 labeled: Sagestreem / Home Lending LLC.  Home Lending LLC is the issuer of the new shitty Sprint credit card.

 

Q #2:  HTF can there be a hard inquiry on a frozen file?  I have never had any dealings with that lender previously.

 

I called Innovis and was told that the hard inquiry I see doesn't mean they were successful in getting my report.  In fact, they said, Home Credit LLC was denied access, but the inquiry attempt is what is noted on my report.  

 

Q #3 et. al.:  This inquiry that isn't really an inquiry is visible to other creditors.  WTF can this be possible with a credit freeze in place?  Why can I be "penalized" with a visible-to-all hard inquiry placed while the report was frozen?  

 

Something seems wrong.

 

NOTE:  I *KNOW* inquiries don't matter.  I have told that to my friend.  But the issue isn't whether or not inquiries matter.  The issue is should any hard inquiry from an unknown creditor ever appear while your reports are frozen.

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Yeah, five other threads and yet nobody knows anything.

 

Gee, almost time to go to MYFooko for answers.

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PotO:  When I pull a consumer file that is frozen I get a big message in red similar to the below:

 

THE CONSUMER CREDIT FILE IS UNAVAILABLE DUE TO STATE LEGISLATION.

 

Then I got to get the customer to reverse the freeze all the while they deny ever doing it.   But when they finally leave and call me back in a couple hours to say it is released and I then pull the credit file, I do not see my first attempt at a hard pull.   My reports do no show soft pulls anyways.   This is true for Equifax, Experian, and Transunion.   I have never used Innovis to pull credit so I can't advise on their routines,  but the other three are identical.

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33 minutes ago, MarvBear said:

PotO:  When I pull a consumer file that is frozen I get a big message in red similar to the below:

 

THE CONSUMER CREDIT FILE IS UNAVAILABLE DUE TO STATE LEGISLATION.

 

Then I got to get the customer to reverse the freeze all the while they deny ever doing it.   But when they finally leave and call me back in a couple hours to say it is released and I then pull the credit file, I do not see my first attempt at a hard pull.   My reports do no show soft pulls anyways.   This is true for Equifax, Experian, and Transunion.   I have never used Innovis to pull credit so I can't advise on their routines,  but the other three are identical.

 

That's what I suspect happens when someone tries to pull any of my Big 3 when frozen.  I never see any INQs, hard or soft, except for the usual soft INQs from the CRA itself and my current creditors AR.

 

But for some reason when I to my Innovis report I saw one soft INQ and one hard INQ from two non-pre-existing lenders made on dates when I had the freeze in place.  The hard was Sagestream / Home Credit LLC.  I applied for the Sprint card (because I was bored and fooking Hege never gave me any decent alternative to apply for) and they pulled EQ.  But why could they get Innovis if frozen?

 

The soft was Sagestrem / Lending Tree and result of some Credit Karma pre-approval crap did just for the heck of it. And how the hell did they get through a freeze, too?

 

I filed a CFPB complaint and Innovis called me.  There story (b.s. story for sure) is that the INQs are there to document the request, but because o the freeze they were not actually given access to the report.  That story smells like poop.

 

With the Big 3, the INQ signifies that the lender was successful in getting access and that's logical.  You apply, grant access, take the hit.  Fine.

 

But with a freeze, there should be no hit.  That INQ could cost a few points on my FICO, for example.  It could result in an application denial for inquiries. Why should I risk adverse effects of an INQ that should have never ht a frozen report? **

 

** I know the points don't matter.  And neither do INQs.  But since lenders like to make us believe that they do matter, then I should rub this poop in their face.  

 

I need to research the FCRA.  Hopefully there is something that states that an INQ is the result of successfully accessing one's report.  Then I will clobber those mfers.

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19 minutes ago, PotO said:

I filed a CFPB complaint and Innovis called me.  There story (b.s. story for sure) is that the INQs are there to document the request, but because o the freeze they were not actually given access to the report.  That story smells like poop.

 

My stance is agreeing with you.  If the file was not delivered there is no need to document a request that was unfulfilled.   I smell a big ole turd too.

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There is one very positive note in all this.  The lady from Innovis called and left a message and I returned her call.  She was nice, but I was in a pissed-off mood, especially when she started he story about the INQs are there, but they never received access to my reports.  

 

I tried reasoning with her and using logic, but she was dense.  In spite of that, I treated her well.  I used a slight bit of sarcasm and humor, and she did chuckle.  But in the end I treated her well, was exceedingly kind and polite, thanked her profusely.  I know this will come as a surprise to all, but I am NOT like that in real life.  And I am rarely even like that on the phone.  When pissed, I am a MAB (Mean, A$$hole B'tard) ... heck, even when I am not pissed.

 

And it's because of Mom.  Mom always tried to tell me that being nice on the phone even though pissed is the best way to handle things.  God bless you, Mom.  

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I'm just like that too.   When I'm arguing with banks, they usually have to come to my office and tell me to be quite or go to an office upstairs cause they can hear me cussing over the entire dealership.   I only do that when I'm right though, otherwise honey drips from my lips.

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32 minutes ago, MarvBear said:

I'm just like that too.   When I'm arguing with banks, they usually have to come to my office and tell me to be quite or go to an office upstairs cause they can hear me cussing over the entire dealership.   I only do that when I'm right though, otherwise honey drips from my lips.

 

Same here.

 

Mom, I know you are looking down with a smug look on your face and grinning ... thinking that you have had a positive influence on me.  And even though you have, please don't take my title away.  Please!!!!!!!   I can't imagine living life any longer titled Mr. Nice.  

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11 hours ago, hegemony said:

sounds like IDS doesn't have the capacity for a data architecture to properly track inquiries.

Right.  

 

Even if -- and it's a big if -- they are right and the INQ doesn't signify the potential lender gained access to my credit report, is the INQ legal since it is visible to other creditors?

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