Can CA/CA Attorney Pull your Credit Report?

No, they must have authorization. That is illegal. Come to my site, and on the side is a link called, "letters for all collection needs". You will see a list of sample letters, and the one dealing with this illegal act is there, in fact, let me post it for you.

Here is your sample letter:

Prepare letters to each inquiring creditor asking them to remove their inquiry. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file.

Your letter can go something like this:






If you would like to download a copy of this file for cutting and pasting into some other text editor for your information, click here.

Thank you Anthony!! What if they respond by saying something like they now OWN the paper and that gives them the same right as the original creditor??

Authorization must be given by YOU. If they feel that they had authorization, then the burden of proof is on them, send this letter via certified mail to prove that they signed for it.

Good questions guest. I have had the same thing happen on my credit report. I didn't know that they had to be authorized to pull the report. Thanks Anthony. I'm going to send the letter. I have at least three unauthorized pulls.

There is no way around the law. No excuse by them is sufficient to prove authorization. They must have actual documentation from you giving them authorization, and if they do not, then they have broken Federal Laws. Do not contact them by phone, just send them the letter via certified mail.

Authorization can not pass from one company to another, simply because your account moved. Each entity must be given separate authorizations, by the consumer, you.

Sorry to disagree but under permissible purpose in the Fcra,a collector is allowed to pull as long as they believe you are the consumer they are looking for.

I stand corrected, thanks Cajun. Could he still send the letter to have it proved?

[quote]???? 604. Permissible purposes of consumer reports [15 U.S.C. ???? 1681b]
(a)
In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(1)
In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
(2)
In accordance with the written instructions of the consumer to whom it relates.
(3)
To a person which it has reason to believe
(A)
intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B)
intends to use the information for employment purposes; or
(C)
intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D)
intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
(E)
intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
(F)
otherwise has a legitimate business need for the information
(i)
in connection with a business transaction that is initiated by the consumer; or
(ii)
to review an account to determine whether the consumer continues to meet the terms of the account.[/quote]
This is copied directly from the Fcra.

Anthony if they pulled that report they had better have enough information on you to validate or they could risk opening themselves to both a fdcpa & Fcra claim.

Cajun, thanks for correcting me, I learn new things evertime I come here.

I looked at my reports, and there is quite a few companies that checked my credit, companies I have no dealings with what so ever. There are insurance companies. credit card companies, a wireless phone company....all who I guess are checking to see if I would be a good customer for them. And they can do this??? geez, is anything private anymore??

countrygirl I need more info to determine if these are valid legal inquiries. First off have you applied for credit,insurance,employment,or wireless service recently.Second there are two section in your report that list inquiries.The first section is inquiries anyone can see and are referred industry wide as "hards". The second section are inquiries only you can see and are referred industry wide as "softs".These include account review,pulling your own report,and promotional pulls.