Can I report a mortgage company to the FTC for an inquiry for a credit report on me without my knowledge?

Can I report a mortgage company to the FTC for an inquiry for a credit report on me without my knowledge?

I had an alert message on my credit monitoring and found out the name and city and phone number for the mortgage company. And do I have to file a police report first in order to report it.

The Answer : Before you start calling the cops....What was the reason the mortgage company pulled your credit report? Was there any contact with them prior to them pulling it? If there was an implied interest in getting a loan, they could pull your report. If you have never called or done business with them, you would have a case. But your next problem is getting the police to do anything about it. I'm betting you will be lucky just to get a police report taken, and they certainly are not going to waste any effort to prosecute for it. Your best option would be to file a civil suit under Section 616 of the FCRA for $1000. Even still, you need to be able to prove that they pulled your credit report knowing they did not have a permissible purpose to have it.
Source(s):§ 619. Obtaining information under false pretenses [15 U.S.C. § 1681q]Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.