Is it legal for any corporation or company to run a hard inquiry on my credit report without my knowledge or permission?
1 attorney answer
People are often confused about inquiries. A hard inquiry occurs when you apply for credit. This appears on your credit report and can affect your credit score. A soft inquiry occurs when a lender or credit card company checks your credit to pre-approve you for an offer. Soft inquiries do not appear on your credit report and do not impact your credit score.
Generally, a creditor must have a "permissible purpose" to review your credit, creating a hard inquiry. It is unlawful for a creditor to review your credit report without a permissible purpose. If you apply for credit, they do have that purpose.
Assuming what you are seeing is a hard inquiry, to have a meritorious cause of action you would have to show that you have been damaged in some tangible way. (e.g. denied credit).
I suggest you contact an FCRA lawyer to review your documentation and potential legal options.