To Whom It May Concern:
On (date) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any “permissible purpose” to run my credit.
Since it is against the FCRA, § 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b] for an entity to view a consumer’s credit report without a “permissible purpose.” I am writing to inquire as to your alleged purpose for doing so since I did not apply for (credit, insurance, employment or other services) with your company.
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) which states, in part, … “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;”…
You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law by performing a “hard inquiry” on my credit file without my permission.
To resolve this matter please remove the inquiry from my credit report within ten (10) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.
If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.