Q: Can I sue an Ohio dealership for unauthorized credit check?
I would like to know if I can sue a privately owned car dealership for conducting a hard credit check on me without my consent, which negatively impacted my credit score. I discovered this unauthorized check about 6-8 months ago through my Experian account. I asked the dealership to remove the inquiry, but it remains on my report. I've reported the issue to the Ohio Attorney General, who advised me to consult a lawyer. I've also frozen my accounts. Could you advise on the statute of limitations for such a case and any legal actions that can be taken?
A: Contact a consumer protection attorney familiar with the Fair Credit Reporting Act. It's tough to say without knowing all the details. If you haven't done so, I would also dispute the hard inquiry on whatever credit report is showing the hard inquiry.
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