Your Name
Your Address
City, State Zip

Your Bank
Legal Department

November 7, 2002

To whom it may concern:

As per my Equifax credit report, your company obtained my credit file on 7/19/02.

I don’t recall applying for credit or employment with.

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 $1,000, 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 $1000 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 $1,000 by November 15, 2002.

Please respond via fax to (555) 555-1212.

Sincerely,

Your Name

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