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Credit Inquiry by Cingular Wireless



 
 
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  #1  
Old May 30th 04, 05:57 AM
Sharon Needles
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Posts: n/a
Default Credit Inquiry by Cingular Wireless

I worked in the wireless industry for just over 4 years for
SunCom/AT&T Wireless before I left the company in February of this
year.

My girlfriend at the time had a phone through AT&T WS for roughly 4
years, before SunCom was bought out. She later added her mom to her
account as they shared the family plan, which allowed for free M2M at
that time (her mom was added while it was still SunCom as well). Time
went on, service became unbearable, so she cancelled her main line,
but left the secondary line (her mom) active.

I, am employee of AT&T Wireless, decided I had enough of the service
and activated service for my girlfriend (now my wife) and myself with
Nextel. We have had our service with Nextel for just over a year and
are happy with our decision.

Her mom, recently de-activated her phone, which was still under my
wife's account. AT&T Wireless did have to get permission from my wife
to close the account. All is fine there.

Her mom, then ported her number over to Cingular. Cingular, when
taking in the port, must have acquired my wife's SSN and ran her
credit. They also ran her mom's credit (as well they should) since
the account was going to be in her name. Her mom, nor did my wife
NEVER authorized Cingular to run my wife's credit and we are rather
upset about their unauthorized viewing of her credit history. Can
anyone tell me WHY Cingular had to run my wife's credit, since she
does not have account with Cingular? And why weren't we informed?

What is my next recourse of action? I've never had a situation like
this one before, but I sure don't want to have this happen again.
Issuing a fraud alet on my wife's SSN is a possibility, but is
Cingular liable for anything here?

Please help.

Sharon Needles (of course, not my real name)



  #2  
Old May 30th 04, 10:12 PM
MD
external usenet poster
 
Posts: n/a
Default

"Sharon Needles" wrote:

[snipped the part of the story that isn't germaine to the question]


Her mom, then ported her number over to Cingular. Cingular, when
taking in the port, must have acquired my wife's SSN and ran her
credit. They also ran her mom's credit (as well they should) since
the account was going to be in her name. Her mom, nor did my wife
NEVER authorized Cingular to run my wife's credit and we are rather
upset about their unauthorized viewing of her credit history. Can
anyone tell me WHY Cingular had to run my wife's credit, since she
does not have account with Cingular? And why weren't we informed?

What is my next recourse of action? I've never had a situation like
this one before, but I sure don't want to have this happen again.
Issuing a fraud alet on my wife's SSN is a possibility, but is
Cingular liable for anything here?


How exactly could Cingular have run credit without your mother willingly
providing your wife's SSN to them? Maybe her credit isn't so good and she
provided your wife's SSN number fradulently. The vast majority of credit
fraud is committed by someone that is related to (or is well acquainted
with) the victim. Let's hope that's not the case , but it sounds fishy to
me.

A potential creditor wouldn't need a second SSN if the first one came out
clean.

---
MD


  #3  
Old May 30th 04, 11:05 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

Her mom, who never authorized Cingular to run her daughter's credit
(which she can't legally do anyway), has better a credit score than
her daughter (my wife) as she is in the 800 range, while my wife's
Equifax score is 766. Credit is not issue. We're very protective of
our credit history and that's why we are concerned that Cingular ran
my wife's credit, even though she has NEVER stepped foot into a
Cingular store, kiosk, third-party retailer or visited their website.

They obtain my wife's information from ATTWS and ran her credit
without her permission and we were NEVER notified until we pulled my
wife's credit yesterday when we went to purchase a vehicle.

What would you do?

Thanks for the reply,

SN

On Sun, 30 May 2004 21:12:19 GMT, "MD" wrote:

"Sharon Needles" wrote:

[snipped the part of the story that isn't germaine to the question]


Her mom, then ported her number over to Cingular. Cingular, when
taking in the port, must have acquired my wife's SSN and ran her
credit. They also ran her mom's credit (as well they should) since
the account was going to be in her name. Her mom, nor did my wife
NEVER authorized Cingular to run my wife's credit and we are rather
upset about their unauthorized viewing of her credit history. Can
anyone tell me WHY Cingular had to run my wife's credit, since she
does not have account with Cingular? And why weren't we informed?

What is my next recourse of action? I've never had a situation like
this one before, but I sure don't want to have this happen again.
Issuing a fraud alet on my wife's SSN is a possibility, but is
Cingular liable for anything here?


How exactly could Cingular have run credit without your mother willingly
providing your wife's SSN to them? Maybe her credit isn't so good and she
provided your wife's SSN number fradulently. The vast majority of credit
fraud is committed by someone that is related to (or is well acquainted
with) the victim. Let's hope that's not the case , but it sounds fishy to
me.

A potential creditor wouldn't need a second SSN if the first one came out
clean.

---
MD


  #4  
Old May 31st 04, 01:31 PM
John S.
external usenet poster
 
Posts: n/a
Default

What would you do?

First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY retail
company can run a credit report on ANY person that they get a SSN for unless
that person has previously told the company that they can't.

--
John S.
e-mail responses to - john at kiana dot net
  #5  
Old May 31st 04, 02:03 PM
RWEmerson
external usenet poster
 
Posts: n/a
Default


"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.


  #6  
Old May 31st 04, 04:39 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

First, companies can only request a credit report when they have a valid
reason to do so.
Second, if you have an account with any company, they can and do run
periodic checks on you.
Third, the inquires that you see from credit card companies are not specific
to your SSN. They are generated in bulk based upon criteria set by the
requestor. They didn't use your SSN to access it. That's what generates
the mail you get for new cards.
Fourth, you can request that credit bureaus not include you in those
marketing searches and/or no requests without your specific permission.
Fifth, as someone else said, get over it.

"RWEmerson" wrote in message
...

"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




  #7  
Old May 31st 04, 05:00 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

You have missed the point. My wife did NOT authorize anyone from
Cingular to pull her credit report. My wife's mother did NOT
authorize anyone from Cingular to pull her daughter's credit report.
They did it on their own. They got the SSN from the port request from
ATTWS and ran her credit without her consent.

What don't you understand about this? I have made myself very clear.
Do you work for Cingular?

Consumers do have rights. The Fair Credit Reporting Act was created
for disputes just like this.

SN



On 31 May 2004 12:31:50 GMT, pamfree (John S.)
wrote:

What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY retail
company can run a credit report on ANY person that they get a SSN for unless
that person has previously told the company that they can't.


  #8  
Old May 31st 04, 05:02 PM
Sharon Needles
external usenet poster
 
Posts: n/a
Default

Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?


First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse. ANY

retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.


  #9  
Old May 31st 04, 06:07 PM
Tee Box
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.

"Sharon Needles" wrote in message
...
Not true. Unless you specifically give a credit card company
permission, they cannot pull your credit report.

Credit card companies DO send out pre-approvals based upon your credit
history, but always note, it is subject to change until a credit
report is actually ran for that particular company.

They can look all they want as it does NOT put an inquiry on your
report. The only time it will put an inquiry on your report is when
you give them permission to do so.

SN



On Mon, 31 May 2004 07:03:48 -0600, "RWEmerson"
wrote:


"John S." wrote in message
...
What would you do?

First I would forget about it.

Then get on with my life.

The two above actions would be prudent because there is no recourse.

ANY
retail
company can run a credit report on ANY person that they get a SSN for

unless
that person has previously told the company that they can't.

--
John S.


John is exactly on point. If you've ever checked your own credit report,
you'll likely find that it has been checked, in some cases repeatedly, by
various entitiies, particular credit card companies wanting to find new
customers to mail unsolicited applications to. They don't need, and don't
request, your permission to do so.




  #10  
Old May 31st 04, 06:10 PM
John S.
external usenet poster
 
Posts: n/a
Default

Do you work for a credit reporting company? I do and am well aware of what
can and can't be done.


I would like to correspond with you a bit because of issues I have and don't
know how to correct.

E-Mail me?

--
John S.
e-mail responses to - john at kiana dot net
 




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