So, I signed up for MyFico 3B to check in on things again. I have 26 Inquiries showing on TransUnion, and ALL of them are showing up as "Collection" with a month date, year after it on my 3B report.
All the EQ and EX inquiries show the actual banks/lenders.
The report also doesn't show any of the inquiries prior to 1 year ago either.
Debt collectors have permissible purpose under FCRA 604 for collection on a debt of the consumer.
The FCRA does not require that inquiries by a debt collector be coded as soft.
Debt collectors will often code as soft, not to remove the inquiry from effect on a consumer's scoring, but rather to remove it from being shown in most credit reports, and thus making the consumer aware of their monitoring. They are permitted to code as hard.......