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Inquiry from Collection Agency

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So, after my most recent credit-monitoring hiatus, I just noticed that I have an inquiry on my Experian report from a collection agency.  It's been a while since I've been nose-deep in CreditBoards, trying to find/learn stuff that will help clean my report, so maybe I'm out of practice..  but isn't this a violation?  I'm assuming this is a hard pull, since the report doesn't distinguish soft vs hard and the other inquiries showing up are authorized hard pulls.

 

The inquiry is from a California based agency called Performant Financial, dated Apr 2018.  I don't recall responding/applying to anyone/anything in the vicinity of that time frame.  The closest thing would be a mortgage pre-qualification in Feb 2018, which is showing up on both TU and Equifax.  Prior to that, I hadn't applied to anything in over two years, unless you count ultilities/verizon. 

 

I do have unpaid charge-offs in my past that are from the late 1990's, and possibly some from late 2000's.  And unfortunately, a litany of defaulted student loans.  As of mid 2017, I've relocated out of California.  Thoughts?

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1 hour ago, misterq said:

I just noticed that I have an inquiry on my Experian report from a collection agency.  It's been a while since I've been nose-deep in CreditBoards, trying to find/learn stuff that will help clean my report, so maybe I'm out of practice..  but isn't this a violation?

Only if they don't have a permissible purpose.  If they have a debt of yours that they are legally allowed to collect on that is permissible purpose and they can pull.

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16 hours ago, misterq said:

So, after my most recent credit-monitoring hiatus, I just noticed that I have an inquiry on my Experian report from a collection agency.  It's been a while since I've been nose-deep in CreditBoards, trying to find/learn stuff that will help clean my report, so maybe I'm out of practice..  but isn't this a violation?  I'm assuming this is a hard pull, since the report doesn't distinguish soft vs hard and the other inquiries showing up are authorized hard pulls.

 

The inquiry is from a California based agency called Performant Financial, dated Apr 2018.  I don't recall responding/applying to anyone/anything in the vicinity of that time frame.  The closest thing would be a mortgage pre-qualification in Feb 2018, which is showing up on both TU and Equifax.  Prior to that, I hadn't applied to anything in over two years, unless you count ultilities/verizon. 

 

I do have unpaid charge-offs in my past that are from the late 1990's, and possibly some from late 2000's.  And unfortunately, a litany of defaulted student loans.  As of mid 2017, I've relocated out of California.  Thoughts?

Pulls for purposes of litigation / collection are permissible.

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Okay. Thanks for the clarification. 

 

Would my best course of action, at this point, be to wait for any correspondence from them stating which account they are collecting on?

 

And if it’s an account that is past SOL, would the inquiry still be considered permissible? 

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