In this link to a credit forum (I know no substitute for my attorney's advice, and I am calling or emailing her Monday about this now) it clearly states the portion of the FCRA that has the discharged debt & BR info:
With regard to permissible purpose, Section 604(a)(3)(A) of the FCRA gives a creditor a permissible purpose to obtain a consumer report without the consumer's consent "in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer." Thus, if you still have a debt outstanding that this agency attempting to collect then I think there is clearly a permissible purpose. If not, then you should get your $1000--there is no excuse for an inquiry subsequent to a paid collection (or even worse, putting the inquiry on the wrong credit profile)."
Collection Inquries - have the "hard" inquiries changed for EVERYBODY
Since my debt with them has been discharged (and at the time of the hard pulls it was discharged for almost a year - just noticed that the date of my CH7 on my CR is the date it was filed, not the date it was discharged, which makes this even better for me!!), they are not able to contact me regarding collections.
Even with initiating a FC (which should be fun to watch - they'd need to shell out close to $500k (balance on first is around $400k, we owe them around $80k, and fair market value is around $340k - $350k). There is no reason that they need to run my credit for a FC. NONE.
Here's the link to the thread -
I will post back when I hear from my attorney regarding this matter - wouldn't it be ironic if BOA had to pay ME $3000 for unauthorized inquiries?
Thanks again for sharing your knowledge and advice Tom - have a great weekend!