wm1111 Posted March 5, 2011 Report Share Posted March 5, 2011 I recently just checked my Transunion credit report and noticed that Portfolio Recovery Assoc was listed as a collection agency on my report. The collection account was opened back in Jan of 2010 for a 5 year old debt (6 now). I sent them a few validation notices after I received the orginal letter but did not hear anything back and, yes, I do have proof they received them. I also noticed that they have pulled my credit report 8 times over the past 12 months. Each time they do so it adds another hard inquiry on my report and lowers my score. I have confirmed this with Transunion when I was disputing my credit report. The rep at Transunion was unsure if what they were doing was legal and said I needed to call Portfolio Recovery to have the hard inquiries removed. My question: Is it legal for Portfolio Recovery to pull my credit report that many times and affect my score? I thought they could only do it once and that was at the beginning of the collection? It seems to me that they are trying to mess with me because I disuputed the debt (paranoia). Thanks for your help! Link to comment Share on other sites More sharing options...
KentWA Posted March 5, 2011 Report Share Posted March 5, 2011 If they have an active account they are permitted to pull your credit. However for it to show as a hard pull they had to misrepresent the nature of the pull to the CRA. If they pulled after DV without response, then it is continued collection. However both are hard to prove.You can usually get them with very careful crafted admissions. You ask them to admit that they did not respond to the DV. You also ask for the purmissable purpose to pull the report and they will say Collection. Then you have them for summary jusgement as they most likely just admitted to continued collection. Link to comment Share on other sites More sharing options...
Prosay Posted March 5, 2011 Report Share Posted March 5, 2011 ...AND IF YOU CAN PROVE THEY ARE IN VIOLATION OF ANY SORT, YOU MIGHT BE ABLE TO NAIL THEM WITH:VIOLATION OF: TITLE 42 US CODE 408, "UNAUTHORIZED USE OF SOCIAL SECURITY NUMBER" ....WHICH IS A FELONY ! Link to comment Share on other sites More sharing options...
hendu Posted March 9, 2011 Report Share Posted March 9, 2011 If they have an active account they are permitted to pull your credit. However for it to show as a hard pull they had to misrepresent the nature of the pull to the CRA. If they pulled after DV without response, then it is continued collection. However both are hard to prove.You can usually get them with very careful crafted admissions. You ask them to admit that they did not respond to the DV. You also ask for the purmissable purpose to pull the report and they will say Collection. Then you have them for summary jusgement as they most likely just admitted to continued collection.Ok, my situation is a little different.I monitor my reports daily. I get a notification of a hard pull.It is a CA.I have NO COLLECTIONS on my credit report!I have never even received a letter from a CA; even if I did, I would havedisputed it!How do I handle this one????Any advice would be helpful, this is a crucial time for me and I do not need anything screwing with my credit score! Link to comment Share on other sites More sharing options...
diamonddan73 Posted March 9, 2011 Report Share Posted March 9, 2011 That is great advice. I live in Cali and I had a CA do a hardpull after the SOL expired. In Cali it is a violation to attempt to collect on an unenforceable debt. I going to send them a DV letter to try to get them to admit it was for collection purposes. Link to comment Share on other sites More sharing options...
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