bad98roadster Posted April 1, 2011 Report Share Posted April 1, 2011 Richard J. Boudreau & Associates LLC has been calling me and has pulled my credit report.Calls came from 781 404-4088 to my home.Timeline:1/16/11 soft pull of my credit report through experian1/17/11 2:21 PM Blank voicemail 1/18/11 11:02 AM Missed call1/18/11 12:25 PM Blank voicemail1/19/11 1:10 PM Blank voicemail1/19/11 hard pull of my credit report through experian1/20/11 1:40 PM hung-up when I answered1/27/11 10:59 AM Blank voicemail1/28/11 8:43 AM missed call2/10/11 4:06 PM I called them left message asking about why they ran my credit report.2/11/11 8:15 AM hung-up when I answered2/24/11 I sent a letter asking their permissible purpose for pulling my credit and disputing the debt.2/28/11 I received proof of mail delivery.3/24/11 Called and mailed (CMRR) experian to dispute the pullsI’ve never been dunned. I don’t know which credit card this is about.No 5 day disclosureNo identification when they called me.When I called them there was a recording with the “debt collector” disclosureNo response from them regarding the 2 permissible pulls in experian in the last 4+ weeks. Link to comment Share on other sites More sharing options...
Guest usctrojanalum Posted April 1, 2011 Report Share Posted April 1, 2011 I don't see any violations.. yet. Link to comment Share on other sites More sharing options...
BV80 Posted April 1, 2011 Report Share Posted April 1, 2011 I don't see any violations.. yet.Isn't the fact that they didn't send the 30 day notice requirement within 5 days after their 1st contact considered a violation? Link to comment Share on other sites More sharing options...
Guest usctrojanalum Posted April 1, 2011 Report Share Posted April 1, 2011 No, when did they contact the OP? OP never stated that he spoke to a representative of the law firm. Link to comment Share on other sites More sharing options...
bad98roadster Posted April 1, 2011 Author Report Share Posted April 1, 2011 No, when did they contact the OP? OP never stated that he spoke to a representative of the law firm.I sent them a certified letter that they signed for on 2/28/2011 thus starting the 5 day clock in my opinion. Whether they contact me or I contact them it is not an initial communication? Link to comment Share on other sites More sharing options...
BV80 Posted April 1, 2011 Report Share Posted April 1, 2011 Are they showing the debt as disputed on your cr? Link to comment Share on other sites More sharing options...
bad98roadster Posted April 1, 2011 Author Report Share Posted April 1, 2011 Are they showing the debt as disputed on your cr?The debt is not reported at all. They did a hard pull and a soft pull of my credit report. I sent them a letter asking them 1. for their permissible purpose and 2. stating that if it concerned a debt that I hereby dispute it and asked them to validate it. Link to comment Share on other sites More sharing options...
Recommended Posts