Question about parents accessing credit reports without others knowledge?

Question

I am with someone who has parents who rule his life but I feel that some of the things they do are illegal. He is 27 years old, his parents access his credit report without his knowledge and react on things without him knowing. The reason I am saying this now is because he signed on my car and his parents got into his credit report and saw this on there. Now they are demanding that he take his name off the car and me lose my car that I worked so hard for. Is there anything I can do on my part? How do I know if they accessed my credit report too? Can't they get into trouble for this? Please help!

I have been dealing with problems with his parents for a while now. I found out that his dad is making me pay rent so he can have a tax write off. My boyfriend owns the house, there is no rent. How do I know then if they accessed my credit report, I had a lock on it a while ago but I do not always get contacted when there is an inquiry. He needs to grow up and stand up to them once and for all. I am also putting all my belongings into storage because his mother came over and started rooting thru my things and throwing things away without my knowledge too.

Answer 1

whats done is done, he cant remove his name from your car now... and his parents need somone to file a complaint against them in court.

YOU

some people today think that just because they have a question that they are ENTITLED to answer.. and they are not. these are the people who invade everyones privacy.

sounds like my ex's parents... call an attorney, and serve 'em with papers. they have no right to order anyones credit report (an adults), even if its their own grown child.

credit reports are private; and thats a federal offense. you can also write your states attorney general, telling them they are accessing your partners credit report (age 27) and your strongly suspect yours as well.

you can also write (or call) and request a copy of your own credit reports (they are free to get) ; it would show 'inquirys' on them.

you could also write his parents a letter (send one copy by regular mail, the other certified, return reciept requested) stating that credit reports are federally protected information, and anyone who runs the report on an adult needs written permission to do so (such as a landlord, possible employer, etc all of which need a signature from that person in order to run it). tell them you are considering filing a formal complaint with the states Attorney General, Federal Agencies, as well as a pro bono (free) attorney to address this matter. ask them to kindly refrain from further criminal activities. also tell them that inquirys on an adults credit report effects their credit score, thus, effecting the adults possible future.

FIND YOUR REPS
http://www.usa.gov/
http://www.usa.gov/Agencies/State_and_Territories.shtml
http://www.nga.org
http://www.naag.org/attorneys_general.php
http://judiciary.senate.gov/

if that were me... it'd be WAR ( i am a privacy rights advocate and dont take kindly to such criminal activity).

also consider ditching the creep who allows hims-mommy-n-daddy to do such things & doesnt put a stop to it. you really dont want a little boy... i mean man like that, believe me.

you deserve better treatment then that.

1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.
2) if ID Theft has occured, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).
3) some states allow you to 'lock' or 'freeze' credit reports; to protect against theft. if your state allows it, lock 'em down. that way, no one can open an account on them.
4) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft... and request they lock the reports (usually they automatically do it, but ask for it anyway).

ID THEFT HELP/ INFO
http://www.idtheftcenter.org/index.shtml
http://www.ftc.gov/bcp/edu/microsites/idtheft/
http://www.ftc.gov/bcp/conline/edcams/credit/index.html
http://www.fraudguides.com/consumer-identity-theft-children.asp
http://www.ripoffreport.com/
http://www.fightidentitytheft.com/
http://www.ncpc.org/media/current.php
https://rn.ftc.gov/pls/dod/widtpubl$.startup?Z_ORG_CODE=PU03
http://www.myidfix.com/

CREDIT REPORT INFO / REPAIRS / DISPUTES
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.htm
http://www.kiplinger.com/columns/starting/archive/2007/st0221.htm
http://www.bankrate.com/brm/news/cc/20040116b1.asp
https://www.annualcreditreport.com/cra/helpfaq
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://www.bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.txt
http://bankrate.com/
http://www.occ.treas.gov/customer.htm

TO ORDER A FREE CREDIT REPORT
(all three are free once a year)

Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
www.experian.com
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
www.transunion.com
1-800-916-8800

Answer 2

1

Answer 3

First: No his name can't be taken off the car loan; what's done is done. And you won't lose the car as long as you maintain the payments.

Second: Yes it is illegal for them to access his report without his knowledge, although I doubt that legal action should or will be pursued in this case.

Third: The only way they could access your report is if they had all of your personal information, which is unlikely.

Conclusion: Don't worry, everything's gonna be fine.

Answer 4

It is illegal to access someone else's credit report without their permission.

You're boyfriend is apparently allowing them to do this though because he is not stopping them.

In all honesty, you need to decide if you are going to continue to live this way. It obviously bothers you a lot that the parents are running his life. It also doesn't sound like he's going to change so you need to either figure out how to live with it or get out of there.

I vote for getting out of there.

Answer 5

Wow. You parents are very strict. How do they expect you to learn social skills with the opposite sex? I have a feeling they think you can't be trusted (probably because they couldn't be trusted when they were young) and they are afraid you will get pregnant and ruin your life. While that does happen, I have a feeling you are not one of those. I would concentrate on my schoolwork and getting into college. If your friend is still around when you get to the magic age you can date him then. Meanwhile, it's normal for girls your age to focus on and dream about guys. Your hormones are raging and driving you to mate to make sure the race does not become extinct. Our physical selves are at war with the social norms at your age and it's up to you to take charge. Exercise is the best way to manage those drives and keeping very busy with things that interest you. Stay away from romantic movies and books, love songs, and such things that make you think about things you cannot have right now. Good luck hon, you will find that 18 is just around the corner.

Answer 6

That is illegal, parents or not. One needs to grant consent to anyone pulling a credit report, his parents cannot simply do it at will. It also damages the credit score. And if he is 27 years old who are his parents to demand he do anything now? That sounds like a very unhealthy relationship. I think the best thing to do is see if your state has what are called Credit Freeze Laws. I think 23 states have some form of it. Credit Freeze allows the consumer to "lock down" their credit information to anyone, including credit card companies looking to give out pre-approved offers. No one would be permitted to access his credit report without his permission. All three credit reporting bureaus would contact him for permission if someone wanted to perform an inquiry. Credit Freeze is designed to stop ID theft but I think in the case of family matters like this it would probably be the best solution. You shoudl check with your state's dept of consumer affairs or simply type credit freeze and your state into google.

If your state does not have it he needs to demand his parents stop at once, reminding them that random inquiries hurt his score. But underlying all of this is a bigger problem with parents of a 27 year old man stepping over boundaries they should not be. I think that's probably the issue that needs to be dealt with before worrying about your car.

Answer 7

This is not legal. No one can access a credit report without the persons permission. Your boyfriend needs to report this to all three major credit bureaus. As far as your car is concerned the only way that he can get his name off of the note is to refinance in your name only. Your boyfriend needs to stand up to his parents now or they are going to control him for the rest of his life.

Answer 8

Check the credit bureaus for your credit reports. If they have accessed yours, that is probably illegal. As far as his credit reports go, they have violated him, not you, so he would have to go down that road himself. Contact your state Attorney Generals Office. They are on the net, and in the phone book. You should be able to find out about the legality of the parents actions there, as far as laws in your state go, with regard of what has happened to you. If your name is on the car, they can't force you to lose it, although they might be able to cause you some difficulty. Also, the Attorney Generals Office can take some actions for you for free, they can outline that for you on the phone.

Answer 9

It is TOTALLY ILLEGAL on the parents part! Tell them to butt out and mind their own business! Tell your boyfriend he needs to get some "courage" and stand his ground both morally and legally! Apparently they know his social security number- do they know yours? If they do, I would say it would be an accurate assesment that they have pried into your private and personal affairs! To that I would counter act with both criminal and legal action to put them in their rightful place!

Answer 10

1. What his parents are doing is both immoral and technically illegal.

2. There's nothing you can do - it's up to him to stand up to the violation of his privacy. If he doesn't mind, you shouldn't either.