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     | Wednesday, January 31, 2001 - 07:50 pm  I posted this on the Credit Q&A section so here's the full thread: http://www.bayhouse.com/discus/messages/195/1199.html?981005940 On my report 2 collection companies have been nosing around in my file. I do not have any debt with those companies and they have nothing to report on me. But they keep showing up as inquiries. I filed an online complaint with the FTC, not sure if it will do any good. I also wrote to the companies and told them they do not have my permission to access my file. Oddly, one of them accessed my report on 11/23/99 and again on 11/24/00. So I wonder if they have some automated system that gets into my file the same time each year? Is there anyone else I can file a complaint with? Who enforces the law that prevents people from accessing credit files "unlawfully?" Who enforces the FDCPA? And why is it that when we complain to the CRA about unauthorized inquiries they do nothing and tell us to contact the creditor? The CRA should have some responsibility for allowing the unauthorized company from viewing the files. They don't even care about these unauthorized inquiries so if they keep allowing them then there's nothing we can do about it with the creditor. I'm going to research this more and find out who else to complain to. Here's the text of my complaint to the FTC: On 11/24/00 OSI Collection Services accessed my Equfax and Experian credit files without my authorization and without any permissible purpose. The inquiry is listed as a "Collection Purpose." I do not have a debt in collection with this company. This company does not and has never had authorization from me to view my credit report. Therefore I believe they have viewed my file for fraudulent purposes. This is a violation of my privacy and is also lowering my credit score.
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