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Unauthorized Credit Pull By Century Link

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moneymitch
Established Member

Unauthorized Credit Pull By Century Link

So today I called Century Link. I already have service with them I was calling to resolve a billing discrepancy and what a represtative to me through chat, what I agreed to and what my bill reflects ect. I negotiated a 6 month promotion at 14.99 for 6 months. But I recently moved and the representative that put in the moving request said that my promotion basically is starting from month 1 of 6 no contract. So when I called about it today I ask what was the max speed I can get on my current promotion and he told me I was already max out but there's another one year promotion at $29 for 40mbps which wasn't for from my current price so I agreed and he sent me an email confirmation. 

 

So 5 minutes later I get a credit alert from CS and it's a hard pull from qwest/centurylink. This was just a promotional upgrade and I already had service. And I was never asked or told by the representative for authorization or told it would involve a hard pull. I called about it right after and every rep I talk to said that shouldn't have happened anyway it was just a service upgrade. I spoke with the highest department I could speak with and they're saying they can't do anything. I can I go about this situation and since it wasn't authorized would that make it a FCRA case?

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1 REPLY 1
RobertEG
Legendary Contributor

Re: Unauthorized Credit Pull By Century Link

It was a business transaction consented to and thus initiated by the consumer, which provided permissible purpose under FCRA 604 to obtain and review your credit report.

Authorization was based on their permissible purpose, and no explicit consumer authorization was required.

While it may be good business practice to advise the consumer, they were not required to have done so.

Message 2 of 2
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