One of my more satisfying accomplishments in 2016 was defeating a junk mailer who had repeatedly violated my credit reporting opt-out. The first part of this post comes from a draft letter I wrote, but never sent, to the three mail credit reporting agencies. It summarizes what happened between February 2015 and May 2016: at least five “pre-qualified” automobile loans sent to me in the mail, despite the fact I have never had a drivers license.
Here’s the story:
In February 2015 I received a notice in the mail that I was “prequalified” for an automobile loan by [Name Redacted] Auto, [Address Redacted].
This was a surprise, as I have never in my life had a drivers license. I called the telephone number on the letter and attempted to explain that they were wasting their time and mine, but was put on hold, transferred to voicemail, transferred to a number that rang but was never answered, and generally ignored. So later that day I called the “Prescreen Opt Out” number on the back of the notice and opted out of such notices.
A few weeks later I received another notice from the same company. Not sure if my opt out hadn’t yet “percolated” through the system or if I had not completed the process correctly on the phone, I again opted out using the Internet address provided. This time I received an on-screen confirmation, so I knew it had been completed correctly.
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