Inquiries require a permissible purpose
needs research· statutory · US · fcra.permissible_purpose v1 · file sha256 f542ad3cccac…
This rule is not verified. Its text, elements and any period parameters are research placeholders written for human review. Findings based on it are capped at Plausible/Weak and documents cannot cite it as verified authority.
Rationale
Seed rule; inquiries are not yet modeled as tradelines in Stage 2 intake, so this rule is reachable only when an inquiry item is recorded.
Authorities
- 15 U.S.C. § 1681b primary statute — Permissible purposes of consumer reports · source
Links open public legal sources in your browser; this application itself never fetches them.
Primary-source snapshots
None on file. Import one with cda rules import-source.
Verification record
No human verification record.
Applies to
Account types: any · Circumstances: account.is_inquiry
Required elements
| Element | Fact tested | Test | Quote anchor |
|---|---|---|---|
| The item is a hard inquiry | account.is_inquiry | true | no anchor yet |
| The owner asserts no application or relationship with the inquirer | account.owner_asserts_no_relationship | true | no anchor yet |
Contrary considerations
- Many inquiries the consumer does not remember are permissible (account review, prescreening); an unrecognized inquiry is a question, not a violation.
Potential outcomes (not predictions)
inquiry_purpose_question
Routes this rule can suggest
- Dispute the item with the bureau(s) — A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.
- Consult legal aid or an attorney — Where a rule is unverified or the facts suggest a potential claim, a consultation can confirm the analysis.