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FARMERS INSURANCE GROUP Transunion Farmers pulls up credit reports without authorization - no one wants to answer my questions - Pulling up credit reports for marketing purposes ??? Los Angeles California
Pulled up my annual credit report and saw Farmes Ins. Group on it. Since I never dealt with these guys in my life I called Transunion and asked them how they could pull up my report without my authorization.
The answer was "they only made an account review, they don't need your authorization for that, you have to call them to find out why they did it if you don't have an account with them."
I tried to call the number that was posted on my report but it was a fax number. Called Transunion again: "sorry, thats the only number we have for them, we can't help you."
I googled their address on 4680 Wilshire Blvd (the one that was printed on my report) and called that office. They hung up on me several times and finally they gave me the number for their "service center" in kansas. naturally, they did not have any idea what I was talking about and were not able to answer my question why Farmers pulls up my credit report if I never contacted them or made any sort of inquiry. Actually, I would never do any business with them after all the reports that I read and I would not even think about applying for insurance from them.
It looks like they use credit reports for marketing purposes to sneak into peoples finances.
Where is the privacy in this country ? It stinks that this is legal.
4 Updates & Rebuttals
Steve
apache junction,Arizona,
U.S.A.
Social Security number for marketing purposes ?
#5
Tue, September 01, 2009
Once upon a time Social Security numbers were created for social security purposes.
Then Credit reporting agencies started to use these numbers to check people's creditworthiness and now any company that is associated to the credit reporting agencies can look into anybodies finances to check if they belong to a potential target group ???
What really sucks is that nobody would give out any information, everything happens behind your back and you don't know what kind of information these companies actually have about you.
This used to be "The Land of the Free" - now it is "The Land of the Screeners", you can't even send $ 30,- to Mexico anymore without giving out your social security number, maybe in a few years you have to provide your SSN to Wal-Mart when you want to buy a dozen eggs. One day you won't be able to fart without leaving a trace in your credit report and making it public to any insurance company in this country. There was a time when America claimed to be the Land of the Free versus communist countries that controlled their citizens. i am under the impression that now in these days Americans have less privacy than a russian or east german citizen in the 1960s.
Steve
apache junction,Arizona,
U.S.A.
Social Security number for marketing purposes ?
#5
Tue, September 01, 2009
Once upon a time Social Security numbers were created for social security purposes.
Then Credit reporting agencies started to use these numbers to check people's creditworthiness and now any company that is associated to the credit reporting agencies can look into anybodies finances to check if they belong to a potential target group ???
What really sucks is that nobody would give out any information, everything happens behind your back and you don't know what kind of information these companies actually have about you.
This used to be "The Land of the Free" - now it is "The Land of the Screeners", you can't even send $ 30,- to Mexico anymore without giving out your social security number, maybe in a few years you have to provide your SSN to Wal-Mart when you want to buy a dozen eggs. One day you won't be able to fart without leaving a trace in your credit report and making it public to any insurance company in this country. There was a time when America claimed to be the Land of the Free versus communist countries that controlled their citizens. i am under the impression that now in these days Americans have less privacy than a russian or east german citizen in the 1960s.
Dragon
Yuma,Arizona,
U.S.A.
What its for
#5
Fri, August 28, 2009
The real reason any insurance company pulls credit is so that they can see what kind of risk you are to insure. If you have a lower score your deemed not likly to pay you insurance so they raise the rate and vise versa for good scores. I am sure they do market but it is more to see the risk involved in insuring you. here is an example
Lets say you have some bad debts they want to know are you(anybody) the type to have an accident to pay off other debts. Now im not saying that is what everyone does but i have seen it out there.
I worked for a company that did that not happy about that but thats what they did and its not against the law either.
Robert
Irvine,California,
U.S.A.
There are two types of inquires..
#5
Fri, August 28, 2009
From your description this was a "soft" inquiry. These type of inquiries do not need your permission or authorization. This is because they only get a very limited "look" at your credit report. These inquiries are not seen by anybody except you, so they do not effect your credit score in any way.
You do have the ability to stop this by "opt-ing out". To do this go to optoutprescreen.com. Just be sure you go to the correct site or you may end up signing up for some "service"