Ginny's

I received a fraud alert through a credit monitoring service I have to help protect me against identity theft. Happened around Dec 20th 2021. I called immediately and was instructed to put a freeze with all three credit reporting agencies. Was told a company called Ginny's had done a hard credit inquiry without my knowledge or permission. Thought that would be the end of it. Weeks later I received a child's toy from Ginny's in the mail, then a bill for the toy and two other shipments I never ordered that where shipped to an address in another state. Called Ginny's and was told they really couldn't help me until I filled out some paperwork they would send. Received the paperwork two weeks later and it is asking for about every piece of personal financial information one could possess. Name, address (include previous addresses), SS number, drivers license number, etc., etc. About everything one would need to steal someone's identity. I looked online and see that Ginny's has done this to many people! So many complaints that I am now very concerned that Ginny's is a scam. I also found an ad that an attorney posted offering got help people that Ginny's has done this to. I am not comfortable sending any of my personal information to Ginny's and feel I need to take legal action to protect myself from this questionable company.

I had never once heard the name Ginny's, I had no idea who they were. A friend of mine used them regularly and wanted to purchase a gift for me.
She put my name and address into the delivery field to have the gift sent directly to me.
Within a couple of days I get a notification that my credit has dropped due to a new hard inquiry.
When I asked my friend if this was the company she ordered my gift from, she confirmed that it was.
I then told her they made a hard inquiry on my credit and she was just as baffled as I was.
Here's the thing, my friend doesn't know any of my personal information, date of birth, social security number, none of that, she doesn't have any of that information.
So how did they pull my credit? Great question, to this day I have no idea.
She called them immediately and asked they reverse it and explained what she was trying to do.
They actually REFUSED to reverse the pull under my credit and I had never been a client.
I then called them, the first person again REFUSED to assist, after finally getting a manager who's name I will leave out of this, but who's name will be included in my official complaint, tried to argue with me as well.
I confirmed they did not have any of my information, they didn't have my phone number, my email, my date of birth, or my social security number. All they had was my name and address. I made it very clear that they did NOT have permission to pull my credit and if it was not corrected that I would file a complaint.
She then told me she would have it removed within 30 days, that was 3 months ago and it's still on there.
I would like my points back on my credit file. And I would like to know how it is legal to hard hit someone's credit without any personal information whatsoever and without any kind of permissions granted via signature etc.
I will be taking the time to dispute it through my credit which I should not have to do. So once I do that, I will be filing official complaints against them for pulling my credit without my permission and refusing to clear it up after admitting that they can see the mistake, someone on their end input the data wrong and instead of my address being used for delivery, it was used to set up an account despite the fact that it came through under someone else's name and account number which was already well established.
This is a disgraceful business practice and I'm horrified that this is legal and I have no recourse for a company bringing down my credit rating for no reason and with no permission.

I recently found out that the company Ginny’s Inc. somehow opened new account and applied for new credit from my behalf. I was shocked and found their phone, because they have received my personal details somehow and didn’t warn me about these changes. I called to their office, but only machine voice responded and asked to call back later, because they were closed. I tried again after couple of days, but the response was the same. Help me to figure out how they have done it.

Ginnys "credit department" sent me a bill for ~$650 looks very much like a scam only I got a bill in the mail
They are "unfortunately, due to the amount of" the order they are "not able to process the order without some advance remittance"

The bill does not identify a product that was purchased only an amount that needs to be "remitted"

I call their number +[protected] and I spoke to "ginny" (Wow talk about customer service ginny took the call) who told me that somebody in staten island ordered a tv and billed it to me? After a lot of arguing she told me I need to talk to their "loss prevention department" and do some "paperwork!" surely a scam paperwork?

Very misleading propaganda for their catalog and advertising! Unsolicited advertisement and catalog sent to me with letter stating "pre-approved for $* credit" with no other markings or small print. After I took much of my time to shop their catalog, I placed a small order. They rejected my order and my credit is very good. I've tried several times to call them but their customer service is rude and not helpful at all. This is just a scam to run and damage your credit rating! Beware.