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A creditor/lender/entity is supposed to request permission prior to doing a HARD PULL on one's credit (which is what this was). A hard pull remains as a sign that someone looked at the credit file. However, he can easily simply claim that you gave him verbal permission to do this. Although he was misleading (implying that the check was with an internal AT&T system as opposed to a credit check), he can claim that he stated "credit check." It would be your word against his, which makes for a weak case. Honestly, this may simply not be worth your time. You can file a COMPLAINT with the BBB and the Attorney General's office, but a private lawsuit is likely simply not practical.
However, it is very easy to challenge and get rid of this HARD PULL. Let me know if you'd like information on how to do so.
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