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    Inquiry Removal Template

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    savedsoul2266448
    Verizon Communications obtained the writer's credit report on February 6, 2009 without his consent or knowledge. The Fair Credit Reporting Act allows consumers to seek damages of $2,500 or more from entities that access their credit report without a permissible purpose. The writer requests that Verizon explain their purpose for obtaining his report and pay $2,500 by August 15 if they did not have a legitimate reason.

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    Inquiry Removal Template

    Uploaded by

    savedsoul2266448
    8K views1 page
    Verizon Communications obtained the writer's credit report on February 6, 2009 without his consent or knowledge. The Fair Credit Reporting Act allows consumers to seek damages of $2,500 or more from entities that access their credit report without a permissible purpose. The writer requests that Verizon explain their purpose for obtaining his report and pay $2,500 by August 15 if they did not have a legitimate reason.

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    Verizon Communications obtained the writer's credit report on February 6, 2009 without his consent or knowledge. The Fair Credit Reporting Act allows consumers to seek damages of $2,500 or more from entities that access their credit report without a permissible purpose. The writer requests that Verizon explain their purpose for obtaining his report and pay $2,500 by August 15 if they did not have a legitimate reason.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    8K views1 page

    Inquiry Removal Template

    Uploaded by

    savedsoul2266448
    Verizon Communications obtained the writer's credit report on February 6, 2009 without his consent or knowledge. The Fair Credit Reporting Act allows consumers to seek damages of $2,500 or more from entities that access their credit report without a permissible purpose. The writer requests that Verizon explain their purpose for obtaining his report and pay $2,500 by August 15 if they did not have a legitimate reason.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 1

    VERIZON COMMUNICATIONS

    Legal Department

    August 1, 2010

    To whom it may concern:

    As per my Experian credit report, VERIZON COMMUNICATIONS obtained my credit


    file on 2/6/2009.

    I don't recall applying for credit or employment with VERIZON COMMUNICATIONS.

    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 $2,500, whichever
    is greater."

    From the 1998 FTC opinion letter Greenblatt at


    http://www.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 $2,500 or actual damages (whichever 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 not have a permissible purpose, please arrange for payment of $2,500 by
    August 15, 2010.

    Please respond via fax to 484-840-5527.

    Sincerely,

    Terrance Oates
    Terrance Oates

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