thotgal320 wrote:
So I pulled my updated credit report and found under inquries that there is an attorney Riddles&Associates and considered a hard pull. They are trying to collect on a First Premier account. They have been calling and I recently got a letter stating they are trying to collct a debt and I have a right to ask them to validate which I did. Heres the thing there address is a PO Box so chances of me sending it CMRRR and receiving anything back are slim to none. Can they do this? What can I do? How do I disputes inquries I don't know about? There is another I don't who they are or what they want.
Send a DV to the PO Box that is on your CR!!!!!!! CMRRR
It could be past SOL and CRTP! is the OC still reporting?? if so look for the drop date
send this letter to them at the same time NO PP
Non-PP Puller Company
Address
City State Zip Code
To Whom It May Concern:
I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) 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 employment with your organization nor did I request credit from your organization.
[Describe any additional details about the inquiry here if need be. For example, your a subscriber to XXXX monitoring service and XXXX company pulled a "hard inquiry" on one of your reports.]
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) 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 -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely,
TYPE NAME ONLY! do not sign
Consumer
Address
City State Zip Code
Message Edited by HappyDays on
03-08-2008 05:16 PM
