Ginny's — hard credit inquiry without consent
I had never once heard the name Ginny's, I had no idea who they were. A friend of mine used them regularly and wanted to purchase a gift for me.
She put my name and address into the delivery field to have the gift sent directly to me.
Within a couple of days I get a notification that my credit has dropped due to a new hard inquiry.
When I asked my friend if this was the company she ordered my gift from, she confirmed that it was.
I then told her they made a hard inquiry on my credit and she was just as baffled as I was.
Here's the thing, my friend doesn't know any of my personal information, date of birth, social security number, none of that, she doesn't have any of that information.
So how did they pull my credit? Great question, to this day I have no idea.
She called them immediately and asked they reverse it and explained what she was trying to do.
They actually REFUSED to reverse the pull under my credit and I had never been a client.
I then called them, the first person again REFUSED to assist, after finally getting a manager who's name I will leave out of this, but who's name will be included in my official complaint, tried to argue with me as well.
I confirmed they did not have any of my information, they didn't have my phone number, my email, my date of birth, or my social security number. All they had was my name and address. I made it very clear that they did NOT have permission to pull my credit and if it was not corrected that I would file a complaint.
She then told me she would have it removed within 30 days, that was 3 months ago and it's still on there.
I would like my points back on my credit file. And I would like to know how it is legal to hard hit someone's credit without any personal information whatsoever and without any kind of permissions granted via signature etc.
I will be taking the time to dispute it through my credit which I should not have to do. So once I do that, I will be filing official complaints against them for pulling my credit without my permission and refusing to clear it up after admitting that they can see the mistake, someone on their end input the data wrong and instead of my address being used for delivery, it was used to set up an account despite the fact that it came through under someone else's name and account number which was already well established.
This is a disgraceful business practice and I'm horrified that this is legal and I have no recourse for a company bringing down my credit rating for no reason and with no permission.
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