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several dumb questions


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Hi, if anybody call help me, thank you:

1) Inquiries. Was told a debt collector can pull your report without authorization. True? What if they aren't collecting your debt (they are just a collector or creditor)? What law citation is it that refers to inquiries?

2) Crazy Sallie Mae and the 3 agencies have for years said I was wildly defaulted, sued by govt on 7 loans, when I was not. I was deferred on those loans, then I consolidated, never ever sued.

I was defaulted on 5 DIFFERENT loans, but it was only 1X in 3/95,then got out of default in 2 months via consolidation--the default is off my report now.

Maybe they got the loans mixed up, but my report read 180 days/90 days 5 times/60 days 3 times AND ON and on FOR LOANS THAT WERE CURRENT. Very nuts. Anyway, for years I disputed, with no change.

Now, recently I got free online reports(wonder if these are truly updated) saying 2 reports no longer showed these wrong notations.If they believe their reporting of many years, these negative marks should remain for 2 more years.

I NOW know How to dispute properly.Question: Can I sue for past breaches even if notations are gone? It cost me like hell. I don't have anything but printouts--no cert. letters. Can I do info. subpoeas and get my past credit archives?

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1. Collection Agencies have permissible purpose to access credit reports with out having to have verbal or written authorization. Since it is to collect on an existing debt.

§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]

"Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than $5,000 or imprisoned not more than one year, or both." Federal Fair Credit Reporting Act (15 USC § 1681q)

“Under Section 621 (a) (2) (A) of the FCRA, any person that violates any of the provisions of the FCRA may be liable for a civil penalty of not more than $2,500 per violation.”

If you check the link above for FCRA - you can look there up further to understand how the laws work.

2. Salle Mae is messed up, always have been on their reporting... yes when you can show damages you have very too odds of suing any company for inaccurate reporting.

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