A few days ago I pulled my credit reports from the three major credit reporting companies: (You are entitled to one free copy in each 12-month period.) I wanted to see if Merchants' Credit Guide Co. Had affected my credit record.
From the Experian report on me, I found that MCGC had obtained a copy of my credit history (including my Social Security Number, current and past addresses for years, current and past employers, and my credit history including accounts and account numbers going back for years) on June 13 of last year — three days *after* the first demand letter was dated. It's called an "inquiry." Ken Hughes and his criminal cabal now has my detailed and confidential credit history somewhere in MCGC's vast files — if it hasn't been passed along to others too.
I called one credit company and spoke to "Julie, " its fraud investigations intake person, and filed a fraud report. I wanted to know just how Merchants' — a scam — was able to secure a copy of my intimate financial details. Julie told me it would have to have had "ongoing business" with me, or I would have had to apply for credit which they were considering, or they would have to show that they were pursuing a legitimate debt that I owed.
She offered to remove the "inquiry" reference on my report. I insisted that she leave it as-is, that I may need it as evidence as I continue my pursuit to this fraud. Julie told me she would turn my complaint over to Experian's fraud investigation department. I referred her to usacomplaints.com, and to my ongoing website, for full documentation. She assured me that I'd hear back from their fraud unit "within the next 30-45 days."
Julie also put a freeze on further inquiries: for the next 90-days I'll have to be contacted before my record is released to insure that it's going to someone I want to allow to access it.
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