Are collection agencies allowed to pull hard inquiries? I had an account with Arrow Fin. that was deleted about a year ago. I pulled my Transunion report today and saw a hard inquiry from Arrow in February, but no account listed. Isn't that illegal?
Do they still own a debt attributable to you or was it paid, transferred, etc? If there it no existing debt obligation, there is no permissible purpose.
I owe the debt, but I deleted it off of my credit over 1 year ago. The date of last activity was 6-2001.
I guess they still own it because I haven't received any contact from any other CA or the OC. The reason I said OWE, is because I was insinuating it wasn't paid. LoL. Is there something I can do about the hard? As I said before the TL is not showing on my report but, I want to prevent it from popping up. I know what the procedure is after it pops up. I just want to know what can I do before it does? Thanks for your help.
wish I knew how to delete stuff off MY credit reports, lol. j/k...seriously, how'd you get it deleted? If you got it deleted because it wasnt validated/verified, but they still have an open account in your name, maybe they don't realize it was deleted, and wanted to check your reports to see if youre worth pursuing. (ya know, see if you have a house, who you work for, where you live now...etc.) did you send a validation demand a year ago? was it ignored? if so, I'd send a letter and ask them what their permissible purpose was. Does your report give you their pp? need a little more info on this.
I just researched this account and the DOLA IS 5-97. It was deleted in May 2000. I thought it was 2001. Are they pulling hard to see if they can collect. What recourse do I have? It will be 7 years in 3 months.
I sent them a validation letter in May 2003. They never responded. It was deleted off of Trans. & Exp. in 2000. Equifax deleted the TL in July 2003.
Let them pull all of the hards they want to for the next 3 months until the SOL runs out. After that, have the trade line removed for obsolescence. THEN you can go after them all you want to for the hard inquiries. If they do OWN this debt they are entitled to pull the credit report. You may not have anything you can do about it right now but hold out for the 3 months before you stir up a hornets nest. If you try to play hard ball it may give them the incentive to try to go ahead and get a judgement against you.
sounds to me like you have a non-PP lawsuit--if you decide to go for it. again, how did you get it deleted early? if this happened to me, I'd send a letter requesting their permissible purpose. in the letter state, "should you not have a permissible purpose, please arrange for: 1) deletion of the illegal inquiry immediately and, 2) compensation for me for damaging my credit profile in the amount of $1,000.00." or something like that.
Etheral, You're pretty much in the cat bird seat. You can whatever you want. Any inquiry is predicated on the existence of a valid collection account. Since you DV'd back in May 03, (presumably you have your proof) they have been alerted that the account may not be valid. Their failure to provide Val. is their tacit agreement with your dispute. Lets explore the No PP angle. .
not sure if you're only wanting butch to answer or not, but i'll tell you what, I would NOT wait. the SOL is up, the debt is not valid, and they pulled a hard without PP. as far as what to say, you've pretty much said it in your posts. just write them a polite, concise letter, stating that they've pulled without PP on an account that was KNOWN to be invalid, resulting in damages to your credit. One of my favorite lines to use in my letters is "your responsibilities to consumers are clearly outlined in the FCRA and FDCPA." In other words, 'you shouldve known what you were doing was wrong...tsk tsk." lol.
Etehral, I think everyone is waiting to see what you come up with. No PP letters are all over the place here. I'll dig mine up for ya. .
