Yep. You are entitled to $1000 if the company did not have permissable purpose.
From FCRA:
§ 604. Permissible purposes of consumer reports
[15 U.S.C. § 1681b]
AlSO SEE:
§ 616. Civil liability for willful noncompliance
[15 U.S.C. § 1681n](a) In general. Any person who willfully fails to comply with any requirement imposed
under this title with respect to any consumer is liable to that consumer in an amount
equal to the sum of
(1) (A) any actual damages sustained by the consumer as a result of the failure or
damages of not less than $100 and not more than $1,000; or
(B) 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;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the
costs of the action together with reasonable attorney's fees as determined by the
court.
Message Edited by Tuscani on
04-25-2007 06:50 PM
