Disputing inquiry

[starry1]

What section of the FCRA do I need to cite for no permissible purpose on an inquiry?  

Yesterday I got a hard pull from a collection agency that was discharged in my bankruptcy.  They have no reason whatsoever to pull my credit, especially not a hard, and I want it gone.

[DaBears]

That will fall under the STAY, if it was included in your BK they can not, I repeat can not pull a HP. which CRA was it hard pulled from?

[guiness56]

604. Permissible purposes of consumer reports[15 U.S.C. § 1681b]

(a)

In general.

Subject to subsection (c), any consumer reporting agency may furnish a

consumer report under the following circumstances and no other:

(1) In response to the order of a court having jurisdiction to issue such an order, or a

subpoena issued in connection with proceedings before a Federal grand jury.

(2) In accordance with the written instructions of the consumer to whom it relates.

(3) To a person which it has reason to believe

(A) intends to use the information in connection with a credit transaction

involving the consumer on whom the information is to be furnished and

involving the extension of credit to, or review or collection of an account of,

the consumer; or

(B) intends to use the information for employment purposes; or

(C) intends to use the information in connection with the underwriting of

insurance involving the consumer; or

(D) intends to use the information in connection with a determination of the con-

sumer's eligibility for a license or other benefit granted by a governmental

instrumentality required by law to consider an applicant's financial

responsibility or status; or

(E) intends to use the information, as a potential investor or servicer, or current

insurer, in connection with a valuation of, or an assessment of the credit or

prepayment risks associated with, an existing credit obligation; or

(F) otherwise has a legitimate business need for the information

(i) in connection with a business transaction that is initiated by the consumer;

or

(ii) to review an account to determine whether the consumer continues to

meet the terms of the accoun

[starry1]

They pulled Equifax.  I don't know if my real score dropped because I haven't gotten a sw alert yet,, but my fako dropped 10 points.

[aces33]

I'm disputing a Allied Interstate inquiry. Nice info Guniess.