I sent a letter to PP Oxford collections for not pulling my 3 cr's 4 times in 2 days. This was their response.
Dear guy
Please be advised that I Oxford Management Systems (“Oxford”) represent
This is a response to your letter dated 7 November 2005, a copy of the attatched herewith as Exhibit 1.
Oxford represents creditors with regard to two claims owed by a man from the city and state and a debt-y guy from Singapore. All three files are closed and inactive.
Oxford receives permission from the original lender a credit search carried out by a debtor. If the debtor on any of the above claims, then this search is “permissible purpose” under the Fair Credit Reporting Act.
What should I do? Should I push this and my 4K for 4 times, they have pulls hard on my reports in 2 days?
The is that I have never heard of these people did not NEVER a letter not a call nothing. The reason I want to push the envelope, because I have this “two” debt believe they talk about are the ones that ended with AA, which as to my current application for AAA, I might as defendants and for further collection activity name .
I here could use some advice.
Reply:This is a typical ploy by some CAs to extort money by repeatedly pulling a consumer's credit file and tagging it as a collections inquiry.
I would strongly advise getting hard copies of your reports to document the four pulls in two days. DV Oxford and see if they have any proof of the debt (a computer printout is not proof). If they fail to provide actual proof of an account in your name, demand that they remove the inquiries and not pull again. If they refuse it will be time to sue them. They must have valid proof of an account to make collection inquiries. Otherwise these sleazy CAs could target people with good credit for extortion.
Reply:Did you indicate that these inquiries as causing you "damage"? Youd be surprised that even attorneys don't understand the effect of inquiries on ones credit score. Did you tell them clearly what you want them to do? Seems he may be unaware of the law since it's not really the original credit that gives them the authority to do a pull. There is no need to "obtain permission" from the OC. Seems to be an attempt to pass the buck. Makes me question if they "got permission 4 times in two days". The LEAST they could do is consolidate the pulls.
Reply:It never ceases to amaze me that when you bust someone for doing something wrong they come off all defensive. I sent a NON-PP letter to financial recover systems who did a hard pull on my transunion 12/04..I have nothing on my credit report with them as the collector or as an OC. They sent me back this snotty letter saying "even though they had PP they wanted the inquirey deleted since I had disputed it" Now dont you think that if they really had PP that they would have told me to kiss their butts?? All they to do is show me that they really had PP and that would have been the end of it.
Reply:bumping for the morning crowd
Reply:I forgot to mention these pulls were done in December of 04 REAL close to the 1 year limit right now
Reply:i guess this would be a good time for a dv then.. and see if the accounts are one in the same. i would think that even if they did have PP to pull the reports…. that is quite exsessive on the pulls in such a short amount of time.
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