Ch 7 discharge June 2015. A few days ago at my lawyer's request, I delivered 2 of the 3 credit reports to them. They are doing a one year follow up at no charge to make sure everyone that was included in the filing is reporting correctly. I noticed inquiries from February 2015 just a day or two after the filing, in May 2015 a few weeks before discharge, and again a few weeks ago just before the "we are serving you with papers" BS calls. Two in two days. I know they're BS and it's not the first time. I just figure since I actually did take 2 payday loans in 2008 and they were included in my Ch 7, my info is now caught in the endless loop of scam debt collectors. They called about a payday loan in 2011 which I know I never took out. I was neither working nor had a bank account in 2011. I forgot to make copies of the reports so I just called her and asked if she can make scanned copies and email them to me because I can't remember the "inquirers" company names. It was the same two.
Short of placing a freeze on my reports - I can since I have the police report from identity theft and already have fraud alerts- can I contact these "inquirers" and tell them to stop ? Do I have legal recourse ? The paralegal at mylaw firm said there's nothing they can do unless the "inquirers" push it, send me notice,etc..TIA...
CH 7 Discharged 6/10/15
T/U - 643
EQ - 588
Ex - 647 as of 6/14/15
