guiness56 wrote:
I know there is a thread here about this but, I am still confused. 80% of the inquiries on my CRs are from CAs. One of them pulls it monthly. I have disputed these and was told they are for PP. I aruged that I did not get credit from these agencies but was still told it was PP because they are trying to collect a debt. I also have a few that say "written authorization by consumer". One is for a mortgage company whom I have never heard of. I do not have a mortgage and have never tried to get a home. Is this legal and if not what should I do?
This has nothing to do with the above but, what impact would the "active military alert" have on your CR. To me it seems more people would try to collect knowing you are in the miltary.
As I understand, a CA can pull your report if the are trying to collect based on "credit transactions"
The one's for the mortgage company, you can send non PP letter:
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,
TYPE NAME ONLY
Consumer
Address
City State Zip Code
Not sure on the answer for the military alert. I would assume it is like a FA but only for 1 year.
Starting Score: 469