Non-PP Puller Company
City State Zip Code
To Whom It May Concern:
I have noticed that you have placed an inquiry on my _________ credit file dated
________. As you probably know, Credit Reporting Agencies treat inquiries as a
statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC ┬ž 1681n(a)(1)(B) for an entity to view a
consumerÔ??s credit report without a "permissible purpose," I am writing to inquire as to your
alleged purpose for doing so since I did not apply for employment with your organization
nor did I request credit from your organization.
[Describe any additional details about the inquiry here if need be. For example, your a
subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one
of your reports.]
Based on the evidence in my possession, this inquiry was performed under false
pretenses as described in the clear language of the law. 15 USC ┬ž1681n(a)(1)(B ) states,
in part, "in the case of liability of a natural person for obtaining a consumer report under
false pretenses or knowingly without a permissible purpose, actual damages sustained by
the consumer as a result of the failure or $1,000, whichever is greater;" You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law --
performing a "hard inquiry" on my __________ file without my permission.
I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
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