Are CA hard inquiries a legitimate permissible purpose for pulling a credit file? NCO Systems keeps pulling my file and claiming that they are trying to collect on a debt charged off in 1990. The debt is well beyond the SOL. Just curious if this was grounds for a violation?
NCO systems are one of the worst. They don't seem to have a problem violating the FDCPA at all. They called my house before I filed bankruptcy and left nasty messages on my machine, cursed at me and called me a deadbeat. I would go after them if possible, although I think others here will need to give some insight in that respect.
Since this is a charged off 12 year old account, does the CA have a right to do a hard inquiry on my file?
Send them a CEASE & DESIST. Also look for Christi's letter concerning inquiries. It is excellent. Maybe someone has it bookmarked and will post it. Gib
§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b] (a) In general. Subject to subjection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) In response to the order of the court having jurisdiction to issue an order, or a subpeona issued in connetcion with the 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 . . . Call the FTC and ask, but I really do not think that it is legal for them to pull a consumer's credit report for a 12 year old collection where the SOL has run out.
