Why does the same collection keep doing soft pulls on my credit

[Anonymous]

They soft pull my credit every month for a debt that I successfully deleted from my CBR's since I should never have been listed as an authorized user (my ex-spouse gave the original creditor permission to speak with me on the account and they added me as a user...). 

It really upsets me that they have the right to review my credit profile even though I have no legal responsibility for the debt they are chasing. 

If I opt-out, will it reduce their ability to pull my credit?

[Anonymous]

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@Anonymous wrote:

They soft pull my credit every month for a debt that I successfully deleted from my CBR's since I should never have been listed as an authorized user (my ex-spouse gave the original creditor permission to speak with me on the account and they added me as a user...). 

It really upsets me that they have the right to review my credit profile even though I have no legal responsibility for the debt they are chasing. 

If I opt-out, will it reduce their ability to pull my credit?

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Try sending them a cease and desist CMRRR

[Anonymous]

Good advice Ahmed and kudos to you . I'm going to send that letter. They have my address and phone number and have never contacted me so I honestly feel like they are just soft pulling to snoop and see if they can obtain info on my ex-spouse. There is absolutely no paper or verbal support for them to pursue me legally.

I honestly feel like these tactics should be illegal and that they have no right to access my report. I'm opted in so I know I can't bar companies and thought that opting out would alleviate the actions of this horrible company.

[NichelleN]

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@mwlcolorado wrote:

Portfolio Recovery has been doing soft pulls on me at least 3-4 times a year for a debt from 2002(way outside the SOL.)  I'm not too concerned.  About once a quarter, they send me a settlement letter and I usually get a phone call every 6 months.  I've contemplated a couple times about settling with them (it's only $120ish) but then I think back to all the illegal crap they pulled and harassment I endured and just decided to say screw it.  Since it's out of the SOL, there isn't much they can do.  They can keep doing soft pulls and sending letters and I can keep putting them in the shred pile.

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Portfolio started soft pulling my file in May when I applied for a few cards. Since that date they soft pulled me almost every other day for two weeks straight. The last time I pulled a full report they were still doing soft pulls, though not as frequently. I haven't dealt with PRA in many years and panicked at first. But I have received no phone calls and no letters. So, I'll just let it be for now I guess. I have no collections. I honestly don't know what accounts they are collecting on. I find it annoying so perhaps I'll contact them at some point.

[RobertEG]

There is no authority under either the FDCPA or the FCRA for sending a "cease and desist" order to a debt collector.

FDCPA 805(c) provides for sending of a cease communication letter to a debt collector, but that is limited only to their calling or writing.

It does not place a bar on their legitimate conduct of other busness activiites, such as credit inquiires.

One can, if timely sent, invoke a cease collection bar by sending a debt validation letter under FDCPA 809(b).

However, htat must be done withing 30 days of receipt of dunning notice.

[Anonymous]

I resolved the situation with the collectors and original creditors. One was I C Systems which was an AT&T cable box and internet modem which I paid and equipment returned back in 2012 and the other one was EOS CCA which was a medical bill that I paid in full to the hospital back in 2012 a year later when it was in process of going to collection. They closed all the account s from there system. So I'm free