I looked at my credit report, and saw that recently I had an unknown collection agency do a soft pull (viewable by me) of my CR. I then see an entry for the following day, that was a hard pull (viewable by all). I have never heard of or from them, nor have I ever recieved any communications from them.
I had the same thing show up from another CA, that I did hear from, but never responded to my DV letter. The hard pulls obviously affect your report in a negative way, as anyone who pulls it and recognizes these CAs will have negative thoughts. Is this legal, and if not how would you do anything about it, since the CRA cannot delete it legally.
We all know that these credit reports are used to beat consumers into doint things they might not have done otherwise. It doesn't seem any different when you have two negative entries for the same debt after OCs sell the debt to JDB.
Any thoughts are going to be interesting to hear.
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