Transunion is letting Arrow collections look at my Credit Report

jls2205 · 02-09-2008, 04:23 PM

Transunion is letting Arrow Financial Services ( a collections agency) do a Credit Report Account Review Inquiry on my credit report every month and have been for the last 6mos. I wrote Transunion and have ask them why they are allowing Arrow to Review my Credit Report but all I get back from them is a form letter stating that certain company's can look at my credit without my permission, This I know. But Arrow has no Reason to be looking at my Credit Report. I have no Bad accounts and no business with these people what so ever. Like I said, I have asked Transunion to tell me why they are showing my credit report to arrow and which Guideline that they fall under that does not need my permission but Transunion refuses to tell me. Transunion told me I need to contact Arrow which I have done many times but Arrow refuses to return my Phone Calls or answer my Letters, I have also Faxed Letters to Arrow but have not heard a thing from them. Would anyone know how I can stop or find out why Arrow Financial Services keeps doing this Monthly Credit Report Review Inquiry on my Credit Report? Also how does a person stop Transunion from allowing Arrow to do this?

centex · 02-09-2008, 05:15 PM

You never, ever, ever had anything that has gone delinquent and that might remain unpaid? Remember that permissible purpose is not based upon whether the original claim remains in your credit report. Further, it is not up to the CRA to determine PP- they may statutorily rely upon the assurance from the requesting party that PP exists.

You letter demanding PP needs to go to Arrow, not TU.

My guess is that there is much more to the story...

jls2205 · 02-09-2008, 08:31 PM

I filed BK on 10-15-2005 and was discharged on 5-19-2006 but the 1st time Arrow looked at my Credit Report, There my Chapter#7 BK was, for all to see, and they did see it on 07-2007 the 1st time they started looking but they still continue to look at my Credit Report every month since July-07. Would anyone know what kind of letter I would need to send to Arrow? To find out what they are up to. I don't have a clue of what their looking for, they have never contacted me, never called, I have never heard a word from these people. They are listed nowhere on any of my 3 Credit Reports. This just doesn't make sense to me. You would think if I owed them money or they were collecting for someone they would at least call or send a collections letter. They are not trying to collect anything just looking at my credit report.

hannah · 02-09-2008, 08:43 PM

Then you need to write them a letter and ask them what their permissible purpose is for pulling your credit report. Here's their addy:

Arrow Financial Services
5996 W. Touhy Avenue
Niles, IL 60714
(800) 279-0224 Toll Free
(847) 557-1100 Phone
(847) 647-9526 Fax

Also, do you have a student loan that was not discharged in your BK? If so you should know that Arrow is the collection arm for Sallie Mae.

jls2205 · 02-09-2008, 09:20 PM

Thank-you Thank-you This I will do. Thank so much for their Info I didn't have it. but now I do.

jls2205 · 02-09-2008, 09:23 PM

I do have a Student Loan with Sallie Mae but I am paying on it and have never been behind on it. Thanks again

jls2205 · 02-09-2008, 10:06 PM

Would putting a Freeze on my Credit Report stop Arrow from looking at my Credit Report and would anyone know how long a freeze can stay on a persons Credit Report, can it be taken off then added again, I don't know how it works. Thanks

hannah · 02-09-2008, 10:27 PM

Quote:

Originally Posted by jls2205

I do have a Student Loan with Sallie Mae but I am paying on it and have never been behind on it. Thanks again

This may well be what Arrow claims that they are pulling your CR for and if sued, would argue permissible purpose. I know I read a case a while back about a case of pulling every month from Arrow and it was a student loan. Arrow won.

jlynn · 02-09-2008, 10:27 PM

A freeze will not stop a collection agency from being able to review your report.

centex · 02-10-2008, 03:42 AM

Oh, and do not forget the corporate relationship that exists between Arrow and Sallie Mae.

hannah · 02-10-2008, 03:46 AM

Quote:

Originally Posted by centex

Oh, and do not forget the corporate relationship that exists between Arrow and Sallie Mae.

Yes. I know...that's probably the only reason that Arrow is their collection arm. God knows it couldn't be because of the quality service.

apexcrsrvc · 02-10-2008, 04:57 AM

Last time I checked an Account Review was an inquiry not seen by others. Therefore, my question is who cares if they're reviewing Trans Union. No damage and even if there were, Arrow has a permissible purpose.

I may be wrong . . .

jlynn · 02-10-2008, 09:36 AM

Quote:

Originally Posted by apexcrsrvc

Last time I checked an Account Review was an inquiry not seen by others. Therefore, my question is who cares if they're reviewing Trans Union. No damage and even if there were, Arrow has a permissible purpose.

I may be wrong . . .

Still can't wrap your head around someone suing for $1K can you?

I had forgotten that Arrow and Sallie are in bed together, so they may have pp in this instance.

And even though an AR can't be seen, we all know the pp clauses of the FCRA do not distinguish between hards and softs. Its all about the privacy.

JayinGR · 02-10-2008, 02:11 PM

If its a soft pull and they KNOW they have no PP and pulled your reports (all three (softs)) while you were in litigation, can you sue on that?

I guess what I am saying is if you sued over a non pp issue. The company knew it was no PP and admitted it but then pulled ALL THREE CR's (soft) is their any liability there? And if so is it 1K?

apexcrsrvc · 02-11-2008, 02:39 AM

Quote:

Originally Posted by jlynn

Still can't wrap your head around someone suing for $1K can you?

I had forgotten that Arrow and Sallie are in bed together, so they may have pp in this instance.

And even though an AR can't be seen, we all know the pp clauses of the FCRA do not distinguish between hards and softs. Its all about the privacy.

Nope, I just don't get it . . .

apexcrsrvc · 02-11-2008, 02:41 AM

Quote:

Originally Posted by JayinGR

If its a soft pull and they KNOW they have no PP and pulled your reports (all three (softs)) while you were in litigation, can you sue on that?

I guess what I am saying is if you sued over a non pp issue. The company knew it was no PP and admitted it but then pulled ALL THREE CR's (soft) is their any liability there? And if so is it 1K?

I would think so but, I would plead another cause of action without that piddly little cap. Negligence, negligent infliction, something . . .

I just don't like pinning myself in at a couple grand. Tends to limit bargaining.