Comments on: Can Collection Agencies Pull Your Credit Report?

By: chantal

chantal — Mon, 14 Sep 2009 13:56:01 +0000

I was turned down for a car loan and when I asked for threason for the denial the letter said “unable to verify personal information”. What the heck does that mean?

By: John

John — Sun, 30 Aug 2009 03:37:50 +0000

This article is a great resource for people looking to sue collection agencies for entering inquiries on their report!

I have a question though – Ms Pintos sued due to the fact that she did not have a contract with the towing company or the collection agency. Would this work if someone defaulted on a credit card as well? If a collection agency put an inquiry on a credit report in this situation, they might argue that because the consumer had an agreement with the original creditor, the collection agency had the right to pull the credit report. It would be excellent if someone could tell us how to fight the collection agency if they came up with this argument. Thoughts anyone?

By: Kristy

Kristy — Fri, 28 Aug 2009 22:51:05 +0000

Thanks. I try very hard to keep the collection agencies honest, if saying that isn’t an oxymoron.

By: sanmogirl

sanmogirl — Fri, 28 Aug 2009 22:43:57 +0000

I have read this site over again…… and I want to make one comment Kristy made…. it does not matter where you are in the US….. the Pinto case can be used in ALL courts…. you are basically saying to the court… look…. here is a case that is similar to mine and it was held in the 9th circuit of the US courts that this the way the court saw it, so you need to take it into consideration.

Go to any law library and ask someone how you SHEPARDIZE a case… this is a method used to find all the cases that may or may not be similar to yours so you can use it in your points and authorities.

Thank God Kristy has prepared this site, because while I listen to many on what their take is on this whole gig….. you really have to verify that what they are saying is correct. Many of these people think the collection companies represent the client… the truth is more and more that they are buying the bills and then collecting.

A side note: If you file in Federal Court again a collection agency….. yeah, it cost $350. to file, but it is immediately removed from your credit report….. I think in small claims you file the complaint with the credit bureau and see if they take it off once the lawsuit is filed. they may do this in fear of being joined as a party defendent if they dont!