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Because it was an outright threat because you wouldn't tell her what you were applying for, no, that is not legal, it is harassment and coercion in trying to get you to pay the full amount or suffer the consequences.
It isn't against the FCRA, they do have PP to do a HP. It is against the FDCPA for harassment and probably several other sections. Keep a close eye on your report and see how many times they pull it.
Do you have her name, or the name she gave you? I know they don't always use real names.
I would file complaints with the FTC and the CPFB, your state AG and their state AG. I would also consider consulting with an attorney.
Guiness... You always come to my rescue! I love youuuu! Hehehehe! (Shhhh, don't tell my husband!). I am in process of filing a complaint with the CFPB, how do I go about filing a complaint with the FTC and state AG, etc.? I was so mad I was literally shaking! And what kind of attorney? She pushed all my wrong buttons... I want heads to roll!
Lol.
You do the FTC the same way, online. The AG websites should also let you do them online. Be very detailed, names, numbers, dates, times, etc.
Consumer attorney I would think.
Thanks! I'm within SOL, so now I'm worried about that too... All to try and settle with them. I'm pretty sure that was the NASTIEST person I've ever spoken with, and I've come across a few really "special" ones before
Good luck!
Keep us posted. Also, keep a very close eye on your CRs.
Hopefully they won't sue you.
I have a credit monitoring service so I will definitely keep track of all the alerts. I sure hope not... It's definitely a matter of principle with this one, the original company we "owe" wasn't for borrowed $ or any credit accounts. They were complete scumbags and see they hure the same kind to do their collections. -_-
Any tips for finding a "good" attorney?
Contact the bar association for your state and see if they can help.
Lawyer Referral Services in your area.
Word of mouth.
Whoever you choose, make sure they do a free or cheap consultation. And make sure you click.
As always, you rock! Will do first thing Monday... I will keep you guys posted... in the mean time... If any one thinks of anything else= bring it
Thanks!!!
CFPB- Check
States AG-Check
BBB-Check
FTC-Check...
I don't know why they insist on making things complicated... I called THEM OFFERING TO PAY! Silly CA... Ah.