(sent out 6 different letters like this one with six different creditors) November 16, 2003 CPU/Citi (76 Card) 4550 New Linden Hill Road Wilmington, Deleware 19808 RE: Request for deletion of unauthorized Inquiries To Whom It May Concern: I recently received my credit report and found the following inquiries to be of inaccurate reporting. Name of Creditor Date of Inquiry 1) CPU/Citi (76 Card) 08/14/2003 I have enclosed print outs from the experian.com web-site which clearly states your financial institution received copies of my credit bureau report on the fore-mentioned dates. According to the Federal Trade Commission I am entitled to compensation of up-to $2500.00 in damages for anyone illegally obtaining a copy of my credit bureau report. I have enclosed a print out from the Federal Trade Commissionâ??s web-site pertaining to how and win a creditor can obtain a copy of someoneâ??s credit bureau report. On the fore-mentioned dates, I do not believe this circumstance qualifies for the Federal Trade Commissions guidelines. Please take notice that, I, Kevin Pochop, did not, nor did I authorize anyone, at any time, to apply for credit with your financial institution. I respectfully request that your financial institution delete any and all inquiries on the fore-mentioned dates so we may avoid civil litigation. With the deletion of the fore-mentioned inquiries we will forego seeking damages relating to your financial institution receiving unauthorized copies of my credit bureau report. Please send me a letter to the above address stating that any and all inquiries on the fore-mentioned dates will be deleted in their entirety. I would like to thank you for your time and attention to this matter. Sincerely, Kevin Pochop
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."
It's $1k under Federal-FCRA. But under California state law in their version of the FCRA, non-pp's are $2500.
