Demand Letter

Dear Twopac,

First, welcome to the board. Yes we have many sample letters and would love to be able to help but can you be more specific about your situation?

Is this co. from an account you used to have? one that is an active collection or just someone you've never heard of before? Is it a soft inq or a hard?

Please Advise,

 

Here's a good PP letter,

You'll want to change it to fit your situation;

May 09, 2002

Verizon
1515 Woodfield Rd. Ste 1200
Schaumburg, IL 60173Dear Sir or Madam:

In reviewing my Equifax credit report recently, I noticed that your company obtained my credit report on four separate occasions in the past four months. The dates were 4/27/02, 3/22/02, 3/9/02, 2/5/02. The only time I recall applying for credit with your company was when I applied for a <retail account> on April 27, 2002. I also did not apply for employment with <your company> and to my knowledge, I had no business relationship with your company prior to April 27, 2002 that would have given you a permissible purpose to request my credit history.

I would direct your attention to the FCRA 15 U.S.C. §§ 1681n which states:

"(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."

Additionally, a 1998 Federal Trade Commission opinion letter to Greenblatt states that:

"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."

This is my final demand that you explain your permissible purpose for obtaining my credit report prior to April 27, 2002. Should you not have a permissible purpose, please arrange for payment of $1,000 immediately per occurrence, per report. In this case $4000. In the alternative, immediately delete these inquiries from my credit report.

Your reply within 10 days will avoid legal action.

Regards,

Butchie Boy

 

I don't understand the last sentence. Are you telling them that they can simply delete the inquiries off your report and you will forgive them?

I would think that the fine and removing the inquiries would be co-requirements. Either they have a legit reason for pulling your report, or they didn't.