2004 Credit Suit

Notice of press release Civil Action No. 03-1729 Foster v. Bank One

Christine Baker
http://www.creditsuit.org/
http://forum.creditcourt.com/cgi-bin/discus/
http://www.bayhouse.com/
christine@bayhouse.com
Fax: 571-222-1000

Perry A. Napolitano
John M. McIntyre
Jayme Butcher
Reed Smith LLP
Tel: (412) 288-3131
Fax: (412) 288-3063

Re: Notice of press release Civil Action No. 03-1729 Foster v. Bank One

March 18, 2004

Dear Bank One Legal Team:

March 18, 2004

Dear Bank One Legal Team:

Prior to sending out my press release about the Bank One (First USA) credit reporting practices, I am providing you with the opportunity to clarify a couple of issues:

1) The numerous Bank One credit inquiries without a permissible purpose.

Bank One seems to claim that it has a permissible purpose, but I have not been able to determine what that would be from your filings. It is my understanding that a consumer has to apply for credit or employment, there has to be a business relationship such as an open account or an outstanding debt to legally obtain a consumer credit report.

Since Mr. Foster did not apply for anything with Bank One and he has no open account and he does not owe Bank One, what exactly is the permissible purpose?

2) Is Bank One exempt from the FCRA requirement to report only complete and accurate credit data to the CRAs?

As dedicated readers of Mr. Foster's blog, you have probably read my comment at http://www.firstusa-credit-suit.us/cgi-bin/movabletype/mt-comments.cgi?entry_id=68 and my Bankruptcy Affidavit at http://www.creditcourt.org/bk-affidavit.htm.

I have also documented some of the Bank One FCRA violations at http://forum.creditcourt.com/discus/messages/14/14.html, including several scans and I consider all documentation to be authentic. Please let me know if you disagree.

Based on your filings and the documentation submitted to me by Mr. Foster as well as many other former Bank One or First USA customers, I concluded that Bank One knowingly and routinely submits false and extremely damaging credit data to the CRAs. If there is a provision in the FCRA exempting Bank One from compliance with the FCRA requirement for complete and accurate credit reporting, please advise.

My tentative deadline is Monday evening. Would you like me to include specific contact info for your firm and/or Bank One?

Your reply is of course not required, but I strive for maximum accuracy in my publications.

Very truly yours,

Christine Baker

c: posted at http://www.creditsuit.org/blog/archives/000440.html

-----------------------------------

Faxed and confirmed receipt with Peggy.

Posted by Christine at March 18, 2004 12:45 PM