Stupid Question. Can a Collector Submit Inquiry On Report?

This is a great question!
I found that I have an inquiry from a car dealership that I have never been to but I receive mail offers all the time from them. Now that I????????ve seen the inquiry I will, for sure, never go to them.
Who can make unauthorized inquiries?

Collector has permissible purpose if he is trying to collect a debt. Mommontoya, your inquiry seems to be unauthorized which can subject the puller to a $1000 fine if you would pursue it. If you did not apply and they hold no accounts,they have no reason to pull. Read my Fcra sticky in the credit repair forum for the applicable laws regarding pulls of credit. If it was me I would send them one letter telling them to remove or I will sue them in small claims court.

It depends on where it is listed too. Some items are viewed by others. Some items are only viewed by you. If it is viewed by others, dispute the item with whatever credit reports it is on. A debt collector CANNOT make an unauthorized inquiry. They have to have a permissible purpose,eg.


???? 604. Permissible purposes of reports

(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.

If it doesn't fit this category, then it's not a permissible purpose and you can sue them.

Hmm the inquiries on mine were made before i even agreed to pay NCO. It kind of looks like they requested it a few times a year to check me out. is that covered under the law? I only ask because I do believe inquiries affect credit score? There are private inquiries from companies that want to offfer you something..like a credit card...and those are private...but NCO is showing up nice and bright. They were shocked today Cajun when I called them and told them they went into a "payment agreement" with me. apparantly someone made a boo-boo. The agent kept saying read the letter and who is it from, read me the address. question is, this account is not past the 4 yr statute...can they back out of a payment agreement?