I bought a car 6 months ago, and now i see 2 hard inquiries w/o perm. from...

[jacquei b]

...them..what legal actions can i take I bought the car six months ago, now I am getting alerts on my credit report that they have pulled my credit three times through a bank without my permission or knowledge of them doing so. There is no reason for them to be pulling my credit, it is not the dealership who my loan is through. What legal actions can I take?

[latebreakfast]

If someone is pulling your report without your permission, that's illegal.
Call the credit reporting agencies that you find this activity on and report it.
If you must go further, here is a letter I found online for you to send to the company who checked your report.

Be advised that your report can contain several "soft" inquiries called Promotional Inquires. The credit agency can give out limited information about you such as your name and mailing address. These do not affect your scoring in any way. The hard inquires are the ones that matter and affect your score.


Non-PP Puller Company
Address
City State Zip Code

To Whom It May Concern:

I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC ?1681b) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to My Credit Keeper and Trilegiant pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC ?1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer
Address
City State Zip Code