A collection agency.........

Date: Tue, 02/20/2007 - 17:46

Submitted by jimbeem
on Tue, 02/20/2007 - 17:46

Posts: 42 Credits: [Donate]

Total Replies: 3

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.

CA's do not need your persmission to pull your report. If they

CA's do not need your persmission to pull your report. If they are handling a debt, they have permissible purpose.

lrhall41

Submitted by SOAPLADY on Tue, 02/20/2007 - 17:58

( Posts: 17315 | Credits: )

It is legal for a collection agency to pull your bureau as long

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.

lrhall41

Submitted by DebtCruncher on Tue, 02/20/2007 - 18:25

( Posts: 2293 | Credits: )

Thank you.......

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.

lrhall41

Submitted by jimbeem on Tue, 02/20/2007 - 18:48

( Posts: 42 | Credits: )