PP letter - lost in search!!!!

gmaof1 · Feb 23, 2004

Looking for a good non PP letter to use as a guide for my own. T-Mobile pulled a hard. I've never tried to get a cell from them. I already have a cell phone provider!!
Reply - post or email.
Thank you to all!

Butch · Feb 23, 2004

Originally posted by Butch
August 27, 2002

NitWit Creditor

123 West Street
Anytown, state zip

Certified Mail # 7001 1940 0000 6159 9790

To whom it may concern:

Upon reviewing my Experian credit report, I noticed that [your company] obtained my credit report on 8/15/02. I did not authorize this inquiry and took valiant steps to make sure it did not happen.

I DID NOT give you a permissible purpose to request my credit history from Experian or any other CRA. An inquiry without a corresponding account is VERY detrimental to ones credit score. There is cause for damage on my part.

Â§ 616. Civil liability for willful noncompliance [15 U.S.C. Â§ 1681n] (a)(1)(B) 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;

Please explain your permissible purpose for obtaining my credit report.

Also, please arrange for payment of $1,000 by 9/15/02, or I will be forced to file suit against you for numerous willful and negligent violations of federal law, state law and my rights as a consumer.

In your written reply please provide the name, address and phone number of your "registered agent". Your reply can be faxed to: 1.xxx.xxx.xxxx.

Regards,
Click to expand...

Butch · Feb 23, 2004

Here's Dixie's. I like it too.

Originally posted by dixidriftr
Here is the letter/ITS I sent off today for 2 unauthorized hards. This one got sent to the OC's registered agent. I would have sent it off to the executive offices if I knew the address.

October 5, 2003

Darned OC Bastards
123 anywhere st.
yachats OR, 94873

Re: Notice of intent to pursue litigation for obtaining consumer reports without permissible purpose.

To whom it may concern,

I am in receipt of YOU BASTARDS. letter dated xxxxxxx xx, 2003 in response to my letter requesting to know the purpose of YOU BASTARDS. obtaining my Experian consumer report on xxxxx xx, 2003 and xxxxx xx, 2003.

Both inquiries show as being â??hardâ? inferring that they were obtained in response to an application for credit. I have not applied for credit with YOU BASTARDS on or around the dates in question and per YOU BASTARDS own admission of being unable to determine what the inquiries in question were made for, I am therefore assuming that YOU BASTARDS had no permissible purpose in obtaining my consumer reports.

The penalties for obtaining a consumer report under false pretenses or without permissible purpose per the Fair Credit Reporting Act are:

â??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 greaterâ?

Litigation is both a time consuming and expensive endeavor for all parties involved. Therefore as a courtesy on my behalf, I would like to present YOU BASTARDS an opportunity to resolve this matter before resorting to the courts

Upon my receipt in the amount $2000.00 ($1,000.00 for each inquiry made without permissible purpose) and removal of all entries placed on my consumer reports by YOU BASTARDS I will consider the matter to be closed and settled.

Should YOU BASTARDS fail to remit said monies and remove the entries on my consumer reports within 14 days of the tracked and confirmed delivery of this letter, I will be forced to pursue litigation to recover statutory damages as provided by law. In addition, I will also be seeking to recover court costs and applicable attorney fees should I retain one during the pendency of the action.

I hope that YOU BASTARDS will consider my offer carefully and I look forward to an amicable resolution in these matters.

Sincerely,

DIXIEDRIFTER
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rondaben · Feb 24, 2004

Just wondering...

What cell phone company do you use now? could they have been bought by T-Mobile or T-Mobile been bought by them?

gmaof1 · Feb 24, 2004

Thank you for the letters. One will be going out in the mail today.
I have sprint cell phone service. They have not been bought out.
Thanx again!

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