Inquiry dispute letter worked...

Discussion in 'Credit Talk' started by Christi, Jan 18, 2002.

  1. Christi

    Christi Well-Known Member

    The letter I posted the other day (thread was deleted) WORKED!! I sent it to 7 creditors via PFB. Citibank called today and said the 2 inquiries on my Equifax would be removed within 7 days, Roadloans.com sent me an email asking for my address to mail my $1,000....lmao. All I wanted was the inquiry removed. I'll see what happens with the other 5 creditors. I can get around Equisux.
     
  2. shport

    shport Well-Known Member

    What was the letter?
     
  3. Hermit5

    Hermit5 Well-Known Member

    Tell us more!! What was the situation?
     
  4. GHONEYHONE

    GHONEYHONE Well-Known Member

    please tell me how you did this i have 44 inquirys on my tu that i would like to get rid of
     
  5. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Would you please email me that letter? My email is on. Thanks.
     
  6. superadman

    superadman Banned

    Would you please post the letter in this thread?
     
  7. Killer

    Killer Well-Known Member

    Congratulation! Please email me the letter. Christi you are going to be the creditnet success story of the year!
     
  8. ng

    ng Well-Known Member

    Christie
    Me too Please!

    I need all the pointers I can get with those people


    Thanks


    PS
    Why was the thread deleted?
     
  9. Reshod

    Reshod Well-Known Member

    can i get the letter too.

    Thanks
     
  10. the other

    the other Well-Known Member

    can I get the letter too?
     
  11. dfwgt

    dfwgt Well-Known Member

    What the heck, send it to me as well. I can always find a use for $1,000 :)

    GT
     
  12. shport

    shport Well-Known Member

    Please, please, please post the letter.
     
  13. shport

    shport Well-Known Member

    Or e-mail it to me. Thank you in advance.
     
  14. Christi

    Christi Well-Known Member

    As per my Experian credit report, Citibank, obtained my credit file on 7/18/01.

    I don't recall applying for credit, employment or insurance with Citibank, NA.

    From the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
    "(b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater."

    From the 1998 FTC opinion letter Greenblatt at http://www.ftc.gov/os/statutes/fcra/greenblt.htm
    "Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages (whichever is greater) to both the consumer and to the consumer reporting agency from which the report is procured."

    Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of $1,000 by January 29, 2002.

    Sincerely,

    Christi

    I sent this to the original creditors via BBB & PFB.


    PS I dont know why the thread was deleted.
     
  15. PsychDoc

    PsychDoc Well-Known Member

    Re: Inquiry dispute letter worked..

    This is a great letter! As usual, the very best letters aren't "gimmicky credit repair" attempts but instead are solid statements and requests which are well-grounded in law. You were matter-of-fact, polite, and assertive. But you know all that, lol. Anyway, way to go, and thanks!

    Doc
     
  16. Erica

    Erica Well-Known Member

    Christi,

    Did you send this letter to all of the creditors that looked at your credit?

    PS: I'm still thinking about your email. I won't forget you. I promise.
     
  17. OtherTerri

    OtherTerri Well-Known Member

    Re: Inquiry dispute letter worked..





    Great thinking, Christi! Thanks for sharing the letter.

    Were any of the inquiries legitimate?
     
  18. Christi

    Christi Well-Known Member

    Re: Inquiry dispute letter worked..

    I don't hardly think so :) With a FICO of 432 1 yr ago there was NO way in heck I would have embarrased myself to apply for anything!! Equifax is stalling as I have already sent them an intent to sue letter over inquiries. They have about 9 more days and the suit will be filed. In the meantime, the creditors may take them off.
     
  19. freedom777

    freedom777 Well-Known Member

    Re: Inquiry dispute letter worked..

    Thanks for posting the letter...
     
  20. MartysGirl

    MartysGirl Well-Known Member

    Re: Inquiry dispute letter worked..

    That's Great Christi

    Thanks for sharing!
     

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