Hello guys and gals, I am writing as usual for some help. I had a Nextcard that is at a DOLA of 9/2000. The Nextcard entries are all of my report and I have had no collection calls or letters or entries on my report in over a year. I recently recieved a letter from Attention LLC PO Box 2408 Sherman, TX The letter is dated March 15th and they pulled a hard inquiry against my TU report on April 1st The letter states "the above referenced account has been turned over to our agency for collection. Our client indicated they have a valid claim against you, whic is serious delinquent and we expect full payment. This communication is from a debt collector. This is an attempt to collect a debt and any info obatined will be used for that purpose,,etc..etc." The questions I have are...Can they pull a hard inquiry, even they may not own the debt and also since it has been less than 30 days from the stated letter? Can I have the inquiry removed? Just wondering what all you other pros would do. Thanks Sneaker
Yes, they can pull a hard inquiry - collection is a permissable purpose, whether they own the debt or it has been assigned is not relevant. CA's are free to do anything they want in the first 30 days, up til the moment they receive a dispute from you. HTH
Even though section 604 does give a CA the PP to pull the must have the right to collect first. I'd DV from them. If they cannot or refuse to validate then they did not have a PP to pull. I have used this against another CA. They pulled my CR. Sent me a letter, I DV'd them, they could not validate and sent me a letter saying the sent it back to the OC. I demanded they delete their pull. They refused. After exchanging letters about the law, i finally got fed up with them and threatened to sue. I got a letter from their attorney stating that she could not find any case law on the grounds I was suing for but did not want to test the waters and we settled.
