Filed against CRA and they have pulled a soft inquiry on me. This wouldn't normally bother me, except they have to file their answer to my complaint any day now. It seems to me unethical/unfair if any infomation contained in this inquiry by the CRA (and given to the law firm) was used in any way in preparing their answer. If the CRA wanted to access my report beyond information that is readily and legally available to them, I would think the appropriate time would be during discovery. Not in preparation for an answer to a complaint. Any thoughts??
Well, there is an opinion letter that says that pulling a report in anticipation of litigation is a no pp. Might be interesting considering it was the CRA.
It gives an unfair advantage to the defendant. My report contains: Age Employment history Debts Where I have applied for credit ANY of the above information could be very useful to the law firm preparing the answer. For instance, if I have a lot of debt, it might look like I have financial problems and would not be able to defend the claim. If my employment lists me as janitor, the implication might be I am uneducated (and poor) and unlikely to put up an adequate defense. Or what if I had a lot of mortgage inquiries, it might look as though I was attempting to buy a home and was being declined due to credit problems, maybe that is the basis of my suit, to settle for deletions to buy a home. It really is none of their business. Any of the personal information contained in my credit report if relayed to the defense, might affect the legal strategy of the defense. If not, then why access my report at all - - especially after I have made it clear that I unwilling to settle for correction/deletion? Just because the CRA is in charge of guarding the hen house does not give them right to go after the hens themselves.
Oh, I agree with you 100%. But we all know they lie lie lie. They will probably say it was for database maintenance or some other BS.
