I've got a hard inquiry on one of my credit reports from the attorneys of one of my creditors. I'm fine with the original creditor reviewing my credit reports to see what's going on or even their attorney stepping into their shoes, but it shouldn't count as a hard inquiry because I didn't authorize it or seek new credit. I disputed it through the CRA and they basically said they can't remove it because that individual or entity DID put in an inquiry on me (so it's truthful reporting) and that if I need to take it up with the credit grantor. That's BS, right? You can't just hard ding somebody's credit because you're interested in what it says. Do I have any recourse against these attorneys for doing that?
I'm not a lawyer, but my understanding is that the FCRA doesn't actually require prior consumer consent to initiate a credit pull if they have a legitimate busness purpose. Many people argue that collection agencies do have a clear and legiitimate busness purpose to initiate a hard pull, while a lot of other people disagree. It's an ongoing debate.
