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First, the FCRA never uses the terms “hard” or “soft” pull. These are credit coding terminologies. The FCRA regulates the amount of information that a requestor may receive under a permissible pull of your credit report (FCRA 604(c)(2)). The only CRA reporting restriction in the FCRA is FCRA 604(c((3), which applies only to credit transactions "not initiated by the consumer."
What are generally referred to and coded only as “soft” pulls are credit transactions “not initiated by the cosumer.” FCRA 604(c)(1). However, FCRA 603(m) states that “The term “credit or insurance transaction that is not initiated by the consumer” does not include the use of a consumer credit report by a person with which the consumer has an account or insurance policy, for the purpose of (1) rewiewing the account or insurance policy; or (2) collection the account.”
Interpreting the double negatives of these two provisions of the FCRA, a creditor with which you have an account may pull your credit report without consumer authorization.
While they can, and most do, report an account review to the CRA with a code that excludes it from FICO scoring (soft pull), this is not an FCRA issue.
IMHO, the pull is fully authorized under the FCRA, and the CRA is permited to include any such reporting in your credit report.