Financial Channel

(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 Commissions web-site pertaining to how and win a creditor can obtain a copy of someones 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

Sounds good but I thought it was up to 1k for non PP inquiries? Has it changed to 2500 now?

My understanding that it is $2500

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."

Originally posted by iambroke
Sounds good but I thought it was up to 1k for non PP inquiries? Has it changed to 2500 now?
YMMV

May vary from STATE to STATE

It's $1k under Federal-FCRA.

But under California state law in their version of the FCRA, non-pp's are $2500.