Lawsuite for Inquiry

My first letter to them quoted the Greenblat letter as follows:

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."

When I faxed my second letter, I included my first letter and the letter I received from TU. I guess I was trying to overwhelm them with info!

 

Re: Lawsuit for Inquiry - RESPONSE

I received a letter from the same dimwit at Wells Fargo who sent me my firt letter. It states:

Thank you for responding to my letter of February 28, 2003. I appreciate the opportunity to provide information. I have verified with the Wells Fargo Home Mortgage Servicing Default Reporting Department that the quickest and most accurage way to requet a consumer investigation is to utilize the credit reporting agencies. This is because the credit reporting agencies provide specific information in the dispute that allows the researching company to completely track to transaction. You may initiate a credit review process by requesting a consumer investigation form from any of the creidit repositories. We respond to these agencies within a five-business day period." They then proceed to give me the 3 address and phone numbers for the 3 CRA.

AAGH! This is the same drivel that was in my first letter! Of course, they sent it snail mail instead of faxing it to me.

I am NOT disputing anything that they are reporting on my credit report. I am calling them on a violation for PULLING my credit report unauthorized without permissable purpose. How many times do I need to spell it out for them?

What should I do now? Should I get small claims forms and fill them out and fax them?

Help!