Reparacion de credito

[RecipientName]
[RecipientAddressLine1]
[RecipientCityStatePostalCode]

[TodaysDate]

During a standard review of my credit files from the three major credit reporting agencies I was dismayedto find an inquiry posted by [RecipientName].

As you are probably aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. Theymaintain that if the inquiry is on file then the company listed did in fact view the consumer’s record. Since it is unlawful under the Fair Credit Reporting Act for a person to view a consumer reportwithout a ‘permissible purpose’ I am writing this letter.  

I don't recall applying for credit or employment with [RecipientName]. 

From the FCRA § 616. Civil liability for willful noncompliance15 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 permissiblepurpose 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 to MrGreenblatt: "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 theconsumer and to the consumer reporting agency from which the report is procured."  

Also from the Fair Credit Reporting Act: § 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]
(a) Ingeneral. Any person who is negligent in failing 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)any actual damages sustained by the consumer as a result of the failure;
(2) in the case of any successful action to enforce any liability under this section, the costs of the action together with...