Do they have access to your CR because they are in cahoots with EQ or do they still have to pull hards to see your file? Should I write to OC to get a copy of the credit agreement or how do I go about that with Amex? I am interested to see if CA's are authorized to pull CR on AU's Thanks
Collection agencies have the right to pull a credit report on anybody they choose bar none. All they have to say is "collection" and it's a permissible purpose.
Let me play devil's advocate. What would prevent any party who pulls a credit report without a permissible pull to simply use the "collections" excuse and get themselves off the hook? Wouldn't a collection agency have to prove that the consumer actually had a collection account placed with them and that the collection account was valid? This scenario would cause quite a bit of grief for a collection agency that could not (or would not) validate but pulled a consumer's credit report (multiple times, perhaps). This could be a Pandora's box. For example, a collection agency pulls several inquiries on a consumer. Consumer disputes the account and asks for validation. CA fails to validate and deletes the tradeline. The consumer then sues the CA for non-permissible purpose violations of the FCRA. Any thoughts?
Probably nothing at all. No, don't think so. Maybe so.[/quote] This could be a Pandora's box. For example, a collection agency pulls several inquiries on a consumer. Consumer disputes the account and asks for validation. CA fails to validate and deletes the tradeline. The consumer then sues the CA for non-permissible purpose violations of the FCRA. Any thoughts?[/quote]That might work.
