Do you have examples of ones that do a hard pull without a valid reason?
The topic wasn't whether creditors routinely do it. The topic was whether a creditor *can* do it.
Most creditors don't pull hards for purposes of account review just because they don't want to annoy existing customers, but no matter how much message-board "experts" claim otherwise, there isn't anything in the federal banking or credit laws that says anything about a hard vs. a soft pull.