Today I recieved an email from Trans Union about an alert that was posted to my credit report. So I logged in and in the alert section there was a request for a copy of my credit report. I discovered that it was made by a company named Lighthouse R. As I kept reading there is a disclosure statement as to who, why and what a "Hard Inquiry" is. The following is what it states.
Hard InquiryReported on 2/22 by TransUnion Company: LIGHTHOUSE R Date: Company Phone: 3038001661 Company Address: 6880 S YOSEMITE CT SUITE 100 CENTENNIAL, CO 80112 Alert Reported by TransUnionWhat is a Hard Inquiry? A Hard Inquiry occurs when a company requests a copy of your Credit Report with your consent to open a new account in your name. Hard Inquiries usually have a negative impact on your credit rating and remain on your Credit Report for two years. A Soft Inquiry, which does not impact your credit rating, occurs when you look at your own Credit Report or when a company tries to pre-approve you as part of a marketing effort. What do I do now? If you believe that the information listed above is in anyway inaccurate, please contact the Dispute Center immediately.
Here is the problem... I did NOT give my consent to have anyone pull a copy of my credit report. I am not looking to open a new line of credit anywhere. Of course TransUnion probably didn't bother to check this company before they released my credit information. Or better yet Lighthouse R is actually Lighthouse Recovery Associates and they have probably committed fraud by claiming to be doing an inquiry for purposes of opening a new line of credit. I have learned that this company is a fraud and now they have my credit information thanks to TransUnion.
Any suggestions as how to handle this??
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