There is a collection agency that keeps calling my house wanting to collect on a debt from 2002 that I have no record of. I originally thought these phone calls were telemarketers and didn't bother listening to their messages until yesterday. Then I heard it was a collection agency. I called the company back asking about this debt I supposedly owed and the very rude lady said it was from 2002 and it was over $2000 on a mastercard that was never paid. I have no record or memory of ever having a mastercard. I told her this and she wanted me to give her my social security number. NO WAY IN HELL!! I was a little nicer than that, although she wasn't. I told her I didn't know who her company was, what this debt was or have any knowledge of ever having this debt in the first place.
Then, I think I made my mistake. I told her that there was also no indication of this debt on my credit report, which I check regularly. She then said, verbatim, "well, if its not there, we need to fix that." I told her no she didn't, this debt was not mine and it did not belong on my report. I then told her to stop calling my house and that if the calls continued, I would send a cease and desist letter to make the calls and harassment stop. She then started saying something in a raised voice, at which point I said "thank you and goodbye."
This morning, I get an email saying my experian report had changed. I check it and there is now a hard inquiry from this company. I was always under the impression that businesses had to have your consent to make the hard inquiry. I know for a fact I NEVER gave consent. Now my good credit score has dropped almost 30 points!! Are they able to do this? Is there a way I can get this removed? Where do I even begin? Would they be able to put this debt on my credit report?
I guess I should've just continued to ignore their messages. :(
I would appreciate any advice you guys can give.