@Anonymous wrote:
From what I can tell they are using information to deny me that does not belong to me, and the information isn't on my credit reports to begin with.
I want them to grant the loan or remove the hard pull, but failing both of those I think there is some legal grounds to pursue for denial based on inaccurate data. After I inform them of the issue, and they fail to resolve it, there has to be some legal recourse. Right?
A lender can grant or deny credit to whomever they wish based on internal or external criteria. To have a cause of action you would likely need to show they denied you solely based on race, gender, sexual preference, religion, or similar grounds. The fact that there was credit related data that to them unverifiable is a legitimate reason. It may be that the hard-pull itself is what helped them to discover the information, which is one of the myriad of reasons a hard-pull is done.
You should spend some time going over your credit reports and ensuring that the information contained within them is accurate before you try and take a potential lender to court without a sufficient cause of action.
As to the hard-pull alone, if you authorized it, they have done nothing wrong in executing that hard-pull.
