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 Posted: Tue Feb 20, 2007 6:46 pm Subject: A collection agency......... |
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I pulled my credit report and noticed a collection agency pulled 2 inquiries, once in 2005 and once in 2006. They did NOT have my permission to do this. Is that legal? What recourse would I have if it is not? Who would enforce the recourse if available? If a lawyer does it, please specify an area of expertise.
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jimbeem
Joined: 21 Nov 2006
Posts: 42
Debtcc Points: 1419
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| Posted: Tue Feb 20, 2007 6:58 pm Subject: |
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CA's do not need your persmission to pull your report. If they are handling a debt, they have permissible purpose.
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SOAPLADY
Moderator
Joined: 07 Feb 2007
Posts: 1521
Debtcc Points: 15602
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| Posted: Tue Feb 20, 2007 7:25 pm Subject: |
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It is legal for a collection agency to pull your bureau as long as it is a legitimate debt. Reasons they pull your report may be to get your new address or to see who you are/aren't paying; they may even call your other creditors to see if they can get any new information that might help them collect (employer, phone #'s, etc).
If the debt is not legitimate, and they did indeed pull your credit without permissible purpose, then you can file a complaint with the Federal Trade Commission.
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DebtCruncher
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| Posted: Tue Feb 20, 2007 7:48 pm Subject: Thank you....... |
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I figured it might be something like that but obviously I was not sure. Thank you for the answers. I asked my own lawyer, who I have paid a retainer to, and he did not know.
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jimbeem
Joined: 21 Nov 2006
Posts: 42
Debtcc Points: 1419
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