Originally Posted by rfontham
Without your authorization to pull your crediit file I think they broke the law when they pulled it. Also, at some point they would need to have your SS# in order to get it. If you did not sign an authorization, than I suppose you could report them to the Attorney General of the state you were in.
There has not been much enforcement of these laws in the past and some car dealers are constant abusers.
You are quite right. However the mechanisms for a consumer to use to deal with this are few and difficult. My wife spent an hour last night just trying to file corrections and objections to the bureaus involved. With no garantees that it would have any effect.
It is my belief that the credit bureaus would prefer to go along with this practice to some degree as it raises the interest rates on loans for their customers. Keep in mind, Experion gets it's fees from banks and lenders, not you and me.
There are ways to lock your credit reports so no one can get in unless you specificaly release it. I'm looking into that.
But I have to ask this question. Why is it more and more difficult to protect oneself from the systemized theft of my rights and my property?
BTW, It is incredibly easy to get someone's SS# with just their name and address. In the one case, I mentioned I had a loan with Chrysler Financial. It appears the saleman took it from there.
roadster with a stick
roadster with a stick