What is a collection agency permissible purpose for pulling a hard inquiry? I have read here before that they can claim thay were trying to locate you. But I do not seem to find this on the FCRA/FCDPA. I have a CA(CBCS) that has pulled 3 hard inquiries on my EQ report since Dec. I did receive a letter from them(01/26/02), and immediately fired off a Validation letter(02/12/02). As of today,they have failed to reply. Yet they not only went ahead and listed the debt, which is not mine, on my report, but they have pulled two more inquiries since then. Their last one was 03/01/02 with an notation of REA(???) in front of it. Can they still claim that they are trying to locate me? What gives them the right to keep pulling such inquiries?? Frustrated, and ready to go "postal" on a CA. Ok, maybe not postal, )
Unfortunately, the inquiries are on my Equifax report. I have already disputed them, and as usual, they ignored my request. But what would you say the CA's permissible purpose is for all those inquiries? I can understand the first one, they could say that they were trying to locate me, but what about the other two? Is there a law that allows them to keep doing this?? Anyone know??? The CA has ignored all my letters, validation... so far.
Christine on bayhouse.com has done a great job documenting her efforts to collect money from Wells Fargo for pulling inquiries without a permissiable purpose. (She won without going to court.) She went over exactly what was permissiable purpose. Looks like an easy way to make a buch and at the same time stop these guys from abusing consumer rights.
