Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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1) Why did they give this to the car dealership?
2) Did the car dealership run a check on your credit? If so, do you know if it was a "hard" or "soft" pull?
This is not an answer, but an information request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.
A soft pull runs minimal information about you, and does not affect your credit score.
A hard pull is a comprehensive credit check and affects your credit score (although normally by not more than 1-4 points).
WHY did the credit company do this? Did they make a mistake and apologize? Can you upload the letter or at least paraphrase it?
Do you know if this was a hard or soft pull, or not sure?
I am not sure what you mean by "can't give that to you."
The case here would be dual: (a) invasion of privacy - public disclosure and (b) violation of federal law. The violation of federal law is the much stronger action in the case. This is why I was asking.
While the invasion of privacy may be the specific issue for you, whether or not the check cost you a dip in your credit is of the utmost importance because that is what would help make a case for punitive damages under federal law (FCRA and similar laws) and may have helped to compel the credit company into a settlement.
If you wish to end the conversation, I understand. All the best.