Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.
I need you to be more specific in your question(s) if you could. When we answer general ones like "what are my rights" or "what are my options" we have to give general answers and, invariably, the customer responds with "I already knew that". This type of forum works better if you ask specific questions so we know exactly what you are looking for.
As to the specific questions you asked:
What is the likelihood of the bank removing the inquires if pursued legally?
I'm not sure that the bank can "remove the inquiries". I have been told by the credit reporting agencies (CRAs) that the creditor can ask for them to remove info but they are under no obligation to do so and, in fact, often don't. However, if you sue the bank and include the CRAs on there as well then they are bound by the judgment and have to do what the court orders. However, I've founds that creditors, especially banks, seldom remove things they have put on a credit report without an order of the judge.
Based on the above outline, is this something banks usually chalk up to clerical error, or do they pushback and force someone in my position to pursue it legally?
They force you to file a lawsuit and usually take it to a trial or at least a hearing. You may want to start by having a local lawyer who does Consumer Law or Civil Litigation (you can find a list of them at www.lawyers.com) send them a demand letter threatening to sue them unless they correct the problem. That increases your chances of them doing it without a lawsuit but they usually still refuse. Also, don't send the letter yourself because if you do and they refuse then they absolutely won't change their minds without a court order.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered. In addition, once you issue your Positive Rating the question will lock open and no longer time out so you can come back to it anytime in the future if you think of any follow ups.