This ones not mine but it's pretty good. Date NitWit Adversary 123 West Street Anytown USA, zip Cert Mail # xxxx xxxx xxxx xxxx Also SENT VIA FAX TO (xxx) xxx-xxxx During a standard review of my credit files from the three major credit reporting agencies I was dismayed to find an inquiry posted by XXXX in xx/xxxx. As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. They maintain that if the inquiry is on file then the company listed did in fact view the consumerâ??s record. Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer report without a "permissible purpose" I am writing this letter. I don't recall applying for credit with your company. 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." "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 xx/xx/xxxx to the name at the address listed at the top of this page. See the 1998 FTC opinion letter Greenblatt at http://www.ftc.gov/os/statutes/fcra/greenblt.htm Please respond via fax to (xxx) xxx-xxxx Sincerely, YOU
