Portfolio Recovery Assoc. Pulling Hard Inquiry on my Trans Union

[Anonymous]

I actually called Trans Union and spoke to a customer service lady and she said that I could not dispute inquiries with them. She said it had to be with Portfolio. I typed up my NonPP letter and was going to send it certified today and then I went to the forums and saw where you sent you're letter and you're inquiry was removed. I went and pulled my Trans Union and my inquiry was removed also. Maybe they got you're letter and went back and reviewed the pulls they had made and removed them. I also wonder if they Portfolio reads these forums and went back and reviewed the inquries. I am glad they were removed and these forums are very helpful with a lot of good advice.

[britishbooklady]

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@RobertEG wrote:

I would be interested in reading this FTC opinion letter,  Can you provide a citation?

I cant imagine why the FTC would opine on SOL issues, which are clearly beyond the scope of the FCRA, and thus their authority.

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I was interested, too, in reading any FTC opinion letter on the subject and found this in my search:  http://www.ftc.gov/os/statutes/fcra/benner.shtm

I'm not a lawyer...just an average consumer who reads a lot...and it sounds to me like a CA does not have permissible purpose if the account in question is not being reported to the CRA (either by the CA or the OC). Meaning that there is no "account in question to review." Personally, I think the CRAs should be more diligent and actually require the CA to specify which account they claim to be collecting on and if it's not on the CR, then they shouldn't get access to it, period. Of course, what do I know? I'm just an average consumer.