Wyndham Resorts: Illegal Credit Check

[pixelrogue1]

Yes, we went through a time share presentation. Yes, we provided our driver's license as request for identification seemed appropriate.
No, we never provided our social security numbers (even w/the angry and frustrated representatives insisting.)
We were clear from the start we were not agreeing to a credit check of any kind.

Following week we learn that they pulled our credit from out driver's license. Didn't even know that was possible?! We never consented, never signed a form consenting to a credit check. Naturally there is no one you can talk to, with each call only offering apologies for inconveniences, misinformation or transfer.

Other than freezing credit (which is a pain, and an expense,) what can be done when a company illegally accesses your credit report? What actions can be taken with this instance (do not mean file a claim in court, rather maybe a special phone number, department for Wyndham, or a government oversight contact?)

 

[Just Blue]

Yes, we went through a time share presentation. Yes, we provided our driver's license as request for identification seemed appropriate.
No, we never provided our social security numbers (even w/the angry and frustrated representatives insisting.)
We were clear from the start we were not agreeing to a credit check of any kind.

Following week we learn that they pulled our credit from out driver's license. Didn't even know that was possible?! We never consented, never signed a form consenting to a credit check. Naturally there is no one you can talk to, with each call only offering apologies for inconveniences, misinformation or transfer.

Other than freezing credit (which is a pain, and an expense,) what can be done when a company illegally accesses your credit report? What actions can be taken with this instance (do not mean file a claim in court, rather maybe a special phone number, department for Wyndham, or a government oversight contact?)

What US state did this happen in?

 

[xylene]

You're being obstinate about something widely understood in timeshare presentations.
AND You did consent. It in the fine print: eligibility and qualify.

You are not the first consumer to mention this issue.

 

[LdiJ]

Yes, we went through a time share presentation. Yes, we provided our driver's license as request for identification seemed appropriate.
No, we never provided our social security numbers (even w/the angry and frustrated representatives insisting.)
We were clear from the start we were not agreeing to a credit check of any kind.

Following week we learn that they pulled our credit from out driver's license. Didn't even know that was possible?! We never consented, never signed a form consenting to a credit check. Naturally there is no one you can talk to, with each call only offering apologies for inconveniences, misinformation or transfer.

Other than freezing credit (which is a pain, and an expense,) what can be done when a company illegally accesses your credit report? What actions can be taken with this instance (do not mean file a claim in court, rather maybe a special phone number, department for Wyndham, or a government oversight contact?)

Unfortunately you shouldn't have provided any identification at all...or should have declined the presentation entirely when they were insisting on identification.

Was this one of those deals where you got free accommodation for agreeing to sit through a presentation?

 

[adjusterjack]

We never consented, never signed a form consenting to a credit check.

You didn't have to. According to the FCRA a credit report is allowable under a variety of circumstance. See pages 9 and 10:

https://www.ftc.gov/system/files/fcra_2016.pdf

Being there and providing any information at all was likely enough.

what can be done when a company illegally accesses your credit report?

If it was illegal (and I don't think so) your remedies are on pages 70 and 71.

do not mean file a claim in court, rather maybe a special phone number, department for Wyndham, or a government oversight contact?

Nope, there's nobody to complain to that will give you any satisfaction.

If you aren't willing to go to court I suggest you just get over it and move on.

 

[westside]

Other than freezing credit (which is a pain, and an expense,) what can be done when a company illegally accesses your credit report?

It can be done in well under an hour. Two of the three are free and the other was $5 or $10, I forget. Well worth the time and money for a number of reasons.

 

[pixelrogue1]

What US state did this happen in?

Nevada (Las Vegas). We are PA.

 

[FlyingRon]

All credit freezes are free as of Sept. 21, 2018.

 

[pixelrogue1]

You're being obstinate about something widely understood in timeshare presentations.
AND You did consent. It in the fine print: eligibility and qualify.

You are not the first consumer to mention this issue.

We should know when we are consenting to have someone access our credit report and when we were clear that we not consenting to a credit report. As we expressed the intention, we even refused to sign the credit check consent form (which was not presented until the end of the presentation mind you,) that the intention of non-consent was clear.

All due respect, we are upset w/what happened not seeing how that translates to obstinate. Call us naive as we have never been to a time-share presentation, and regardless of that would be 'widely understood,' it would need to be in writing w/our consent. I have copies of any of the paperwork (there wasn't much) and will review for fine print I may have missed.

 

[pixelrogue1]

Unfortunately you shouldn't have provided any identification at all...or should have declined the presentation entirely when they were insisting on identification.

Was this one of those deals where you got free accommodation for agreeing to sit through a presentation?

Going forward, yes. The request for 'ID' seems reasonable for nearly anything, to ensure you are who you say you are. You shouldn't be worried about someone pulling a credit report by requesting to see your ID.

 

[pixelrogue1]

You didn't have to
. According to the FCRA a credit report is allowable under a variety of circumstance. See pages 9 and 10:

https://www.ftc.gov/system/files/fcra_2016.pdf

Being there and providing any information at all was likely enough.



If it was illegal (and I don't think so) your remedies are on pages 70 and 71.



Nope, there's nobody to complain to that will give you any satisfaction.

If you aren't willing to go to court I suggest you just get over it and move on.

Thank you for the response and input (and link.)