Sample Non-Permissible Purpose Letter

Find an unknown company on your credit report? Why is that inquiry there? Anyone who pulls your credit report must have a permissible purpose to due so accoring to The Fair Credit Reporting Act (FCRA). If they don't have a permissible purpose they are breaking the law. If you see a company name you don't recognize send the non-permissible purpose letter below right away.

Non-PP Puller Company

Address

City State Zip Code

To Whom It May Concern:

I have noticed that you have placed an inquiry on my _________ credit file dated ________. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC ?1681b) for an entity to view a consumer's credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to My Credit Keeper and Trilegiant pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC ?1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my __________ file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer

Address

City State Zip Code

Remember to always customize any letter you send. Never copy a sample letter or template word for word. Chances are most of the sample letters on the internet have been passed around and used quite a bit so you want to make yours unique. Sending the same letter as 1,000 other people will get it thrown in the trash.

Side note: If you notice multiple or what seem to be excessive inquiries it may be a sign that someone has stolen your identity and is attempting to open accounts in your name. If you have any doubts at all you should contact the credit bureaus and ask them to add a fraud alert to your reports. You can always remove it later but this will make it harder for someone to obtain credit in your name while you are sending your non-permissibe purpose letters.

Letter secret: You always want to be 100% truthful in your letters. That being said, you don't have to give the creditor more information than they already have. Don't offer information that you know they don't have.