2004 Credit Suit

MIS Exhibit 20 + 21: My 11/4/02 procedures and permissible purpose request

This is REALLY interesting. For literally YEARS I have been asking Experian and CreditData SW for the permissible purposes of all inquiries, specificially of the soft inquiries.

The CRAs and their clients have been subjected to numerous permissible purpose suits due to the complete disregard by creditors and collectors for consumers' privacy rights. Since those illegal credit pulls come with $1,000 statutory damages, consumers ARE getting their checks even without attorneys.

I inspired literally hundreds of permissible purpose suits since I posted my $1,000 check in 12/01:

* Wells Fargo: SETTLED for $1,000 + deletion of UNAUTHORIZED inquiry

1/21/04: Crystal v. FNANB (Circuit City)
settled for $2,000 and deletion of the hard inquiries.

What's the point?

Because CreditData SW (MIS) & Experian don't disclose the permissible purposes such as promos, account reviews, etc., I didn't realize that the seven 2001 Experian Wells Fargo inquiries were NOT promos. I settled Wells Fargo's Equifax inquiry in 12/01, and I signed a settlement agreement settling ALL claims I had.

I'm sure those inquiries were A/Rs, I don't think there's been another WF inquiry since.

I definitely would not have settled with Wells Fargo for only $1,000 if Experian provided complete consumer disclosures.

The MIS Exhibit 21 (the last MIS exhibit) is the 5/1/03 (2003!!!!) printout from the Experian web site. This printout, dated AFTER MIS was served, is supposed to be their response to my procedures request?

What a PATHETIC attempt to disguise their failure to comply with the FCRA!

The scans:

MIS Exhibit 21: My 11/4/02 fax to Experian:

MIS Exhibit 21: The 5/1/03 printout of from the Experian web site

Posted by Christine at March 30, 2004 02:51 AM