How to stop a collection agency from accessing my credit report?
Slimick is on the right track……but let me put some “teeth” into his answer. Has the collection agency send you a letter informing you they are attempting to collect a debt? If not, they are in FDCA and FCRA violation. Here is why. In order to pull your credit report, they must have a “permissible purpose” for pulling it. Collection of an old debt is considered permissible. But a collection agent can not do “collection activities” unless they have informed you of that fact. What you need to do is file a dispute with the credit bureau informing them that this agency has illegally pulled your credit report. What will probably happen is they will state you were informed of the fact they were collecting the debt. Next, send them a “demand to validate” letter, but this time make sure it includes a FULL cease and desist order. Tell them NOT to contact you in any way, shape, or form. In this letter, inform them that this debt has far exceeded the Statute of Limitations, and it is no longer
