ID Theft
question about inquiry on my credit report?
AR- University Health Services,inc 06/26/07 i called our local hosp and they said they don't pull credit unless they are about to garnish wages. i do have and account with them but it's up to date. they really don't think they did it.. i called equifax they don't know the address or phone just the name. how can i find out who this is? i am a victim of id theft so this really worries me they didn't alert me either!for cring out loud i got fraud alerts plastered all over , you would think they could at least have the address. also my score dropped 13 pts in 4 days only thing different on my report is the inquiry?????? i did call the hospital they dont think they did the inquiry noone seems to know anything.. i didnt open an account with anyone thats why i'm concerned.
Public Comments
- AR means accounts receivable. If they are checking your credit then I would contact them and ask them why. It could be nothing more than them checking to see if financially your up to date. Sometimes when you open an account (even credit cards) you are giving them permission to periodically pull your credit. Just call them to be sure, good luck
- You can look them up in the Yellow Pages or google them. Try the BBB as well. Usually company names are listed. No one can garnish your wages without a judgement, which means you would need to go to court. If you don't know who these people are and they are on your credit report. The credit agencies have to remove. You write them and tell them you have no idea who these people are. On the other hand, you still want to find out. If you are a victim of credit theft, there could be other things going on you don't know about. http://www.ficocounselors.com
- I would send them a letter asking them why they ran your credit. To whom it may concern: As per my xxxx credit report, xxxx my credit file on 6/26/07. I don't recall applying for mployment with xxxx, and per my telephone conversation with xxxxx on 07/xx/2007, my account is in good standing. From the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] "(b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater." From the 1998 FTC opinion letter Greenblatt at http://www.ftc.gov/os/statutes/fcra/greenblt.htm: "Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages (whichever is greater) to both the consumer and to the consumer reporting agency from which the report is procured." Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please have this inquiry removed from my credit file and evidence of deletion mailed to me. Sincerely, Definitely follow up on this. They may have a permissible purpose, but if so, they need to let you know what it is.
