Credit reporting or other personal consumer reports — Portfolio Recovery Associates, LLC (NJ)

Credit inquiries on your report that you don't recognize. I checked my credit report and looked on my soft pulls. Portfolio Recovery is spamming soft pulls. I do not have any account with them on my credit report or authorized this company. Why would they be doing that? PORTFOLIO RECOV ASSOC Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why the heck is Portfolio Recovery doing Soft pull spams on my account? A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. FCRA 604 ( a ) ( 3 ) ( A ). If the debt collector does not have active collection authority on a debt of the consumer, they have no permissilbe purpose. The FCRA requires that a party requesting a cr