I am being sued by a junk debt buyer. Their attorney pulled a hard inquiry on 1 of my credit reports. I can't figure out why he would do that, he already has my address. Does anyone know if this is a permissable purpose or not? Thanks
Although there isn't a litigation purpose (as per the FTC), the attorney for a junk debt buyer, would be a debt collector under Heinz v. Jenkins, therfore their attorney would have a permissible purpose under § 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b] (a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (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
