Re: Talk about stupid Dear Sir or Madam: In reviewing my Experian credit report, I noticed that Providian obtained my credit report on 11/10/2001. I did not apply for credit or employment with Providian and to my knowledge, I had no business relationship with your company. I therefore have not given you a permissible purpose to request my credit history. I have done some research regarding the Fair Credit Reporting Act. I'm dismayed that you would pull my personal information without my knowledge or permission. I found the following information under 15 U.S.C. §§ 1681N "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." This provision says that they will be liable to the CRA but it worked for Christine Baker on Wells Fargo. Please explain your permissible purpose for obtaining my credit report. Should you not have a permissible purpose, please arrange for payment of $1,000 by 2/10/01 or I will be forced to file suit for this invasion of privacy.
Actually I think the section you want to quote is this: It doesn't get much clearer than that. Indeed, they are probably liable to BOTH the consumer AND the CRA.
Gonna rehash this one I am finally up to seeing this one through, gonna type up that demand letter tonight. Any advice before I do? Thanks guys!
Gonna rehash this one I have had one conversation with a stupid lady that had no idea. I am drafting my first letter, should I address it directly to the CEO?
Gonna rehash this one Just pulled my cr after my auto loan was paid off...account is now 0 bal, but I see they did a hard inq. Whats up with this??? The hard was done AFTER the acct was paid n full.
Gonna rehash this one I think they just wanna know who has your new loan, as if the payoff check would not tell them, they know who they sent your title to as well, lol.
Gonna rehash this one So, does this mean they had pp to do it? They pulled a hard, for cryin out loud, lol. Just wondering. Good luck with your demand.
Gonna rehash this one Hmmm...wonder if they (americredit) will cave for me like Home depot did for Jlynn... We can only dream, right????
Gonna rehash this one actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater; -------------------------------------------------------------------------------- Or is there? QUEEN_BEE ===================== Which one of these is greater? 1* Actual damages $0.oo 2 Result of the failure $1000.oo The END ************************* LB 59
Questions Ok, I sent a $1k demand letter to their legal dept. They're ignoring me. Should my next letter be an ITS? Should it be addressed to their registered agent?
AR on closed end loan They pulled a AR every month for me before I paid them off wonder if I can get PP as it's a closed end loan considering the Gowan opinion
