• Report: #768794

Complaint Review: Farmers Insurance

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  • Submitted: Tue, August 23, 2011
  • Updated: Thu, September 15, 2011

  • Reported By: patricia — south elgin Illinois United States of America
Farmers Insurance
4680 Wilshire Blvd. Los Angeles, California United States of America

Farmers Insurance Marketing or Legal departments RUNNING CREDIT REPORT 4 TIMES WITHOUT PERMISSION VIOLATED FAIR CREDIT ACT REPORTED TO FEDERAL TRADE COMMISSION Los Angeles, California

*Consumer Comment: That is correct

*Consumer Comment: Missing and mis information

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I was notified by my bank that my S.S. # had been flagged.  Someone tried to use my SS# but failed and my bank was notified to notify me.  I was told I should check my credit report for any fraudulent activity.  When I checked my report from Trans Union I discovered that Farmers Insurance ran my credit report 4 times.  Nov. & Dec. of 2010 and April & May of 2011.

I tried desperately to reach someone in either the Marketing or Legal departments.  Left messages.  No one ever called back.  I contacted the Federal Trade Commission and they are filing a report.  I was told to send a certified letter with return receipt to Farmers to dispute the checking of my credit report. 

I do not use Farmers Insurance, I have Allstate and have had for 6 years.  I want to know why and how they got a hold of my SS # and for what purpose?  They do not call back.  They need to stop what they are doing.  I have had to put alerts on all 3 agencies in the event someone tries to take a loan or credit with my SS#, but for now it is just nerve racking that anyone that big (corporations) can just do what they want without having to suffer the reprocussions or answer for their actions. 

I don't know if this is true but I did read that violation of the Fair Credit Act can cost $2,700 per occurance.  If true would also like to know who gets the money???

This report was posted on Ripoff Report on 08/23/2011 02:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/Farmers-Insurance/Los-Angeles-California-90010/Farmers-Insurance-Marketing-or-Legal-departments-RUNNING-CREDIT-REPORT-4-TIMES-WITHOUT-PER-768794. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

That is correct

AUTHOR: Dave - (USA)

Robert explained credit inquiries perfectly and is correct in the difference between hard and soft pulls.
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#2 Consumer Comment

Missing and mis information

AUTHOR: Robert - (U.S.A.)

First of all I don't know where you heard you could get $2,700 per occurrence for violations of the FCRA.  You can get up to $1,000 in Statutory Damages and any actual damages.  So you would have to prove the additional $1,700 in damages to obtain that.

Next before you go all freaky on your credit report being accessed, what type of inquiry was it?

If it was a "soft" inquiry that is a "pre-approval" pull that is used for marketing purposes.  These types of inquires DO NOT affect your credit score and in fact are not even seen by anybody else except for you.  The company getting this information also only gets a limited amount of information, generally not much more than your contact information and very general credit information.   They do not get specific account information or status.

For a "soft" inquiry because of the type of information obtained they do not need any approval from you.  However, you can stop these by going to optoutprescreen dot com which will take you off of this list.

Now, if this is a "hard" inquiry that is a request for credit you do have a right to worry as it could be an indication of Identity Theft.  But Farmers is not just going around randomly putting in SSN's to pull credit reports...someone who was using your information gave this to them.  In that case your alerts did exactly what they were supposed to do..alert you that someone was trying to get credit in your name but it was not Farmers.
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