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unauthorized inquiry

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unauthorized inquiry

I recently noticed an inquiry on my credit report that I did not recognize or authorize for that matter. Do I have any recourse legally against the company that run the report?
Message 1 of 2
Moderator Emeritus

Re: unauthorized inquiry

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]




§ 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



Message Edited by Tuscani on 04-25-2007 06:50 PM
Message 2 of 2