Epic Contributor
Posts: 22,045
Registered: ‎03-19-2007
Re: Kroll Factual Data, The Carroll Mortgag, unauthorized credit pull


So, if they are simply a servicer for others, then the mystery remains as to who they are sevicing.

There may not even be a debt collector involved, in which case a DV would not be appropriate.


In making any request for a consumer credit report, the requestor must provide a certification of permissible purpose to the CRA.

All I can think of at the moment is to contact the CRA and find if the inquiry was based on an asserted permissible purpose of a debt collector collecting on a debt, or as an original creditor reviewing their own account.