topic Re: NAFS Buffalo...the devil!! in General Credit Topics

NAFS Buffalo...the devil!!

kamila7 — Thu, 20 Mar 2008 23:43:08 GMT

These guys only on my EQ CR they did a soft pull on 11/13/07, then a hard pull on 11/19/07. Are they checking to see if I'm checking? They are not even any CA on my CR, I think they contracted Northstar Location Services, because out of nowhere on a really old debt about to fall off my reports in July, I received contact.

My question is I want to dispute this hard pull on my reports, don't really want to deal with NAFS can I call or send a letter to CRA? What should I say in it? Or do I have to deal with the devil and send them something?

OH! Also if renting a car from Hertz, should that be a hard pull, or soft? I have two of them on my CR. Can I send them something, or again ask the CRA?

Any help would be appreciated...Thank You!!

Re: NAFS Buffalo...the devil!!

Anonymous — Fri, 21 Mar 2008 02:14:13 GMT

type name CMRRR to the CA that did the pull never to a CRA!!!

Non-PP Puller Company
Address
City State Zip Code

To Whom It May Concern:

I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer
Address
City State Zip Code

Message Edited by HappyDays on 03-20-2008 07:14 PM

Re: NAFS Buffalo...the devil!!

kamila7 — Fri, 21 Mar 2008 02:16:42 GMT

NICE!!! Thanks!

Re: NAFS Buffalo...the devil!!

Anonymous — Fri, 21 Mar 2008 02:43:16 GMT

Your very welcome

Message Edited by HappyDays on 03-20-2008 07:43 PM

Re: NAFS Buffalo...the devil!!

Anonymous — Fri, 21 Mar 2008 23:12:53 GMT

I am so glad I checked this post. I received the same pull from these guys and they have been calling my home. I can I get them to stop that. I called back b/c the message left no real info and I have nothing to hide, at least I thought. They stated it was for an auto loan, that should be removed around Nov. Can they collect for that one the SOL is reached?

Re: NAFS Buffalo...the devil!!

Anonymous — Fri, 21 Mar 2008 23:19:07 GMT

The debt never goes away BUT they can try to file suit and your defence is past SOL!

Keep in mind that IF the debt was accured in another state that state may apply.........They can not report on your CR after the CRTP is past!

Send them a letter CMRRR telling NO phone calls everything must be in writtin!

DO NOT sign your name just type it

Re: NAFS Buffalo...the devil!!

Mythic850 — Sun, 20 Apr 2008 20:20:27 GMT

I just noticed a hard pull by NAFS Buffalo as well back in January. Did anyone actually send the non-PP letter? What was the result?

Re: NAFS Buffalo...the devil!!

kamila7 — Sun, 20 Apr 2008 20:35:53 GMT

I sent it almost one month ago, have not heard anything, and the inquiry is still there, if someone knows of a follow-up step, I would really appreciate it!!

Re: NAFS Buffalo...the devil!!

Mythic850 — Fri, 25 Apr 2008 06:57:04 GMT

@kamila7 wrote:
I sent it almost one month ago, have not heard anything, and the inquiry is still there, if someone knows of a follow-up step, I would really appreciate it!!

I think you need to follow through with the "you are civilly liable..." part. My guess is that they aren't going to take you seriously until you put some weight behind your words. Get a lawyer to send them a followup letter reiterating your position.

As for me, I am contemplating doing what I suggest for you. My lawyer just finished negotiating a PFD with Cavalry.Cashier's check was just mailed (overnight delivery) on 4/24. In January, not only did NAFS do a hard inquiry they sent me a letter saying they were collecting for Cavalry. During the negotiation with Cavalry they told my lawyer that they own the debt, are collecting themselves (not using an outside collection agency), and have no idea who NAFS Buffalo is.

I'm just waiting for Cavalry to delete and then I'll decide what to do with NAFS Buffalo.

Re: NAFS Buffalo...the devil!!

Mythic850 — Mon, 19 May 2008 08:21:22 GMT

@Mythic850 wrote:
I'm just waiting for Cavalry to delete and then I'll decide what to do with NAFS Buffalo.

Cavalry deleted and I had my lawyer send NAFS Buffalo a letter asking them to state their permissible purpose or to delete it. That was a week ago, so we'll have to wait and see what happens.

Does anyone else have any progress they would like to report?

Re: NAFS Buffalo...the devil!!

GFer — Sat, 05 Jul 2008 21:50:41 GMT

I'd be interested to know the outcome of this, as they just placed a hard pull on my credit and I have no outstanding accounts. Going to send out the letter on Monday. And WILL get a lawyer (friend) to send them a letter if I have to.

Any results since your last post???

Re: NAFS Buffalo...the devil!!

RobertEG — Sun, 06 Jul 2008 01:16:19 GMT

A lendor may do a hard pull, even without your prior authorization. It is called a "permissable pull."

Under section 604(f) of the FCRA, a permissable credit pull may be initiated if the requestor:

"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."

Re: NAFS Buffalo...the devil!!

GFer — Sun, 06 Jul 2008 02:11:47 GMT

I understand that. Happens with several of my accounts. Also, I do this with the accounts that I manage at work. But this entity is not associated with any of mine.