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e Your Printed Name SSN DOB Copy Enclosed: Current photo ID and recent utility bill have had the unauthorized inquiry removed. 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. Sincerely, Your Signaturonse to this issue. Send me information and documentation showing that I authorized your company to run my credit report. After review, I would appreciate it that you forward me documentation that youhorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt resptents of the file. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have autity, State & Zip RE: Unauthorized Credit Inquiry Appearing on Credit File Dear Consumer Relations Dept.: I recently received a copy of my credit report, and have had the opportunity to review the coner Certified Mail-Return Receipt Requested.] Your Name Address City, State & Zip Date: CERTIFIED MAIL-RETURN RECEIPT REQUESTED Article # Name of Credit Bureau Attn: Consumer Relations Dept. Address Cporting Agency asking them to remove their inquiry. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. Keep a copy for your files and send the lettosed please find a copy of my current photo ID and recent utility bill as proof of my identity and residency. Sincerely, Your Signature Your Name SSN DOB [Prepare a letter to each inquiring Credit Ret have a permissible purpose, please arrange for payment of $1,000.00 by . Please respond to this letter by fax to and give it your immediate attention. Enclever is greater) to both the consumer and to the consumer reporting agency from which the report is procured." Please explain your permissible purpose for your obtaining my credit file. Should you noww.ftc.gov/os/statutes/fcra/greenblt.htm: "Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1,000.00 or actual damages (whiche liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000.00, whichever is greater." From the 1998 FTC opinion letter Greenblatt, et al http://wlows: "(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 b or submitting a Resume for employment with . Pursuant to The Fair Credit & Reporting Act, § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] specifically states as folepartment: As per my credit file, your company obtained my credit file on . Upon review of my file and records, I do not recall applying for credit.] Your Name Address City, State & Zip Date: CERTIFIED MAIL Article # Name of Company Attn: Legal Department Address 1 Address 2 City, State & Zip RE: Unauthorized Access to Credit File Dear Legal Dve a collection account, insurance underwriting purposes, if you completed an application for credit or for employment purposes. Use this letter to remove any unexplained inquiries on your credit filect prohibits anyone from obtaining a copy of your credit file that does not have your written or recorded verbal authorization. The only exception to this would be law enforcement officials, if you hat file and lo and behold, there are unexplained "inquiries" appearing on your file. Excessive inquiries can break your FICO score down anywhere between 20 to 50 points. The Fair Credit and Reporting Aort (including negligence or otherwise) arising in any way out of the use of these materials. An attorney should be consulted for all serious legal matters. [You've just received a copy of your credited to, procurement of substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liability, or tfiliates, or ii) the providers, authors or publishers of the forms, be responsible or liable for any direct, indirect, incidental, special, exemplary, or consequential damages (including, but not limitability, suitability or completeness for any of the materials for your particular needs. The materials are used at your own risk. In no event will: i) FindLegalForms, Inc, its agents, partners, or afd use of these materials is subject to the "Disclaimers and Terms of Use" found at findlegalforms.com. These materials are provided "AS-IS." We do not give any express or implied warranties of merchanurpose or illegally ran, below are sample letters: Disclaimer No Attorney-Client relationship is created by use of these materials. FindLegalForms, Inc. does not provide legal advice. The purchase ancombines all three CRA reports. Look over all three reports; note any suspicious, incorrect or inaccurate information. If you discover that your credit files have been accessed without a permissible pyour report. Although the process is a bit cumbersome, you can instantly access your credit reports. Be sure to purchase a "tri-merge" report, the cost for this is around $32.00. A "tri-merge report" and examine this section carefully. You are entitled to get a free credit report once a year from Experian, Equifax and Trans Union. You can go to www.annualcreditreport.com and obtain a free copy of ill tell you who accessed your credit, and for what purpose within the last two (2) years under the "Inquiries" section of your credit file. On a regular basis, you should obtain a copy of your file nt or Court Order. However, this is a routine practice among many police and law enforcement agencies. · · · · How can you tell if someone has looked at your credit history? Your credit history wThe law enforcement agency/police pulls your credit to see if you experienced financial problems requiring money. The police do not have a right to access your credit history without a Subpoena, Warrad damaged beyond all repair. Your insurance company suspects that you staged the incident to collect the insurance money. Your insurance company reports this to the local police for an investigation. it is considered a credit transaction and the merchant accepting the check as the right to check your credit history. Your car is suddenly stolen. A few days later, it is found in the woods, burned anhe form of a personal check is considered an extension of credit for purposes under the FCRA. A check is nothing more than a promise to pay certain amounts when presented at a proper bank. Therefore, pull your credit history. The dealer should not have run your credit history, and is in violation. You pay for a lawn mower at a local hardware store with a personal check. Accepting the payment in tto run your credit. The salesperson agrees, however, you learn that the dealer pulled your credit after all. Here, even though the dealer had a permissible purpose in the first place, it agreed not toever, you are embarrassed by the fact that you filed for bankruptcy a year ago. You tell the salesperson that you will buy the car from the dealership with a personal check, as long as they agree not tion that you agreed to the terms of the guest sheet. Beware and be wise! Never sign any "guest sheet" at any car dealer without reading everything before you sign! You are shopping for a new car. Howheet, the dealer had a legal basis for accessing your credit history. The fact that you did not carefully read all of the fine print on the guest sheet before you signed it does not negate the presumpeet" has a small, print sentence allowing the dealer to run your credit history. This is a more difficult issue. Unless you can prove that the dealer deceptively obtained your signature on the guest s idea whether you were going to pay for the car with case or a loan. You visit a car dealer to look around. The salesperson then asks you to fill out a "guest sheet". Unbeknownst to you, the "guest she your credit history shows it is good enough to qualify for a low interest rate loan. Here, the dealer did not have a permissible purpose. You did not apply for a car loan. In fact, the dealer had no to leave your driver's license with his manager for "insurance purposes". You like the car and start negotiating the price. The salesperson then tells you that your monthly payment will be low becausn · Insurance Below are examples of proper and improper access of your credit history: · You visited a car dealer just to look around. As you are ready to test-drive a car, the salesperson asks you "permissible purpose"? "permissible purpose" under the FCRA: · · · · · Court order, Warrant or Subpoena Written permission Credit transaction (loans) Collection Employment Listed below are more commot who is looking at your private information. Frequent inquiries will lower your FICO score, leading to high cost of credit, a higher interest rate and denial of credit. A key issue is exactly what is of privacy. You do not know who looked at your private information. You do not know what will happen to your private information. With Identity Theft at an epidemic rate, you should be concerned abouges, punitive damages if appropriate, plus attorney fees and court costs. How are you damaged when someone impermissibly looks at your credit history? First and foremost, it is an unwarranted invasionthe prohibition by the government is, unfortunately, very lax. However, you can enforce the prohibition through the civil justice system because the FCRA allows you to sue and recover your actual damat obtaining credit reports under false pretenses is a criminal act under both federal and state law. Despite such prohibition, there are widespread, illegal accesses to credit reports. Enforcement of t can result from misuse of such information, the law and certain statutes of the Fair Credit Reporting Act prohibits access and use of such information without a "permissible purpose". It is fact thanapshot") of your spending and shopping habits. This information often fills up 10 or more pages, and it is available to anyone willing to pay a fee for it. Because of the potential for great harm thaon information, where you shopped for a car, cell phones, auto, life, renters and home insurance. In summary, your credit report indicates a very clear picture (or as the industry refers to it as a "s former employer, your employment history, where you applied for credit or a mortgage, credit card histories, payment histories, civil court judgments, tax liens, student loans, bankruptcies, collectistaggering amounts of information about you from a variety of sources. Your date of birth, Social Security Number, Driver's License number, State ID Card number, your current address, your current and left out the back door of your home or office? The same scenario (except this is done electronically) happens each and every day. Credit reporting agencies (Experian, Equifax and Trans Union) gather t containing all your financial, personal information and documents? To make matters worse, what if that person made a copy of your personal information and documentation and took it with them as theyCredit Inquiry Packet Provided under agreement with copyright holder, © New Century Publications, Inc. 2007 How would you feel if a sneaky person entered your house or office, opened your file cabine