On 04/11/2017 AT&T/DirecTV performed an unauthorized inquiry to my Equifax credit-report. Since then, I have filed multiple complaints with AT&T/DirecTV, Equifax, the FCC, and the BBB.
Currently, the Equifax inquiry has been changed from hard to soft. Please do not dwell on the fact that a soft-inquiry is non-impactive to my credit-score… Now it is about proving a point. The FCC and BBB are useless - Each complaint I file with them, they close when AT&T simply states they are working on the problem... Idiots.
At this point... AT&T reports they are unable to remove the soft-inquiry. Equifax reports only AT&T can have the inquiry removed. In addition, Equifax reports "this is their policy" - But will not put anything in writing that I can give to AT&T... Morons.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.