YES! A little known fact is that many companies perform a credit inquiry on your report without having proper consent. If this is the case, then they are violating a federal law called the Fair Credit Reporting Act (FCRA).
Debt collectors are also bound by the FCRA, as well as the FDCPA (Fair Debt Collection Practices Act). They must be able to provide proof that you owe the debt, they must be legally allowed to collect the debt, they must be licensed to collect in your state, and the list goes on. But who makes sure they are following the law? You do!
As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report - thus raising your credit score.
You're probably wondering if this a difficult and time consuming process -- it is, if you try and do it all by yourself. But that's where MEA Credit Repair makes your life a lot easier.