Can any legal action be opened on a car dealer who pulled my credit report 2x (once without my knowledge or permission) after the original was denied?

Asked on July 14, 2015 under General Practice, California

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

As a practical matter, no: the law only gives you compensation for actual losses, costs, or damages, and not for an "invasion" which does not produce a measurable, definable loss. And the amount of compensation you can get is related to the amount of loss. The "loss" from having your credit report pulled additional times is so minor and so difficult to quantify that you would receive no or next to no compensation for it, making a legal action uneconomical.


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