Can this be legal? I sent MBNA an adapted validation letter about 10 days ago. Yesterday, they pulled a hard inquiry on all 3 bureaus! They are claiming permissible purpose. I am absolutely fuming! Has anyone else experienced this? Please give me some advice here! Lisa
Yes I have actually. I know they didn't have a permissible purpose--none whatsoever. Just like Christine said at Bayhouse regarding her Wells Fargo suit, "why did you have to pull my credit to know what you were reporting?" I am sure that is what they did. Next steps anyone? Lisa
Has anyone run into this before? Can they claim legitimate business purpose concerning validating an account that has been closed for almost 2 years? I would really like some help. Thanks, Lisa
Not meaning to scare you but, it may have been to see if you are paying your other creditors and if so, they may be making a decision on if it is feasible to resume collection activity. I recall a post on Bayhouse last year where a mortgage broker in trying to qualify someone for a mortgage told them to validate a Cap 1 account a year before the SOL expired and, they were promptly sued.
Still they can't pull a hard inquiry that constitutes collection activity and they have not responded to the validation. That is a violation in my eyes. When you agree to settle with them (after they fail to validate) force them to remove the hard inquiry as well. -Peace, Dave
This account was included in a CH13 filing 2 years ago. Absolutely no collection activity or lawsuit is possible. Just threw that in for clarification. Now what do you think? Lisa
I think I would not have sent a validation letter. Just dispute it with CRA's til your fingers won't type anymore.
Breeze, why do you think the validation was a bad idea? I was reallly undecided if it was the thing to do or not. The issue was their reporting. I could not get it corrected no matter how many times I disputed (probably 10 times in all). I never had a change, correction, deletion, nothing in all of those attempts. I thought the validation letter might be the only way. What are your thoughts?
