Easley Mitsubishi (The Truck Farm)\r
4803 Calhoun Memorial Hwy\r
Easley, SC 29640\r
(864)306-8785\r
Dear Mr. Gilstrap. You placed an inquiry on my credit file dated March 14, 2008. As you know, Credit Reporting Agencies treat inquiries as statements of fact and will not allow a consumer to dispute them. 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. Given that I do not have an account with your company, nor have I applied for credit with you, I have no choice but to conclude that this inquiry was performed under false pretenses as described by law. 15 USC ?1681n(a)(1)( B ) states that that any entity obtaining a consumer report under false pretenses or knowingly without a permissible purpose, then the law will grant actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater. Furthermore, 15 USC ?1681m outlines a manner of communication to the customer in the form of an adverse action letter, in the case where credit is not extended. I have no account with you, and I did not apply for credit with you. Under the FCRA, you are civilly liable to me in the amount of minimum $1,000.00 per violation for your willful violation of the law by performing an inquiry on my file without my permission, as well as not giving me proper adverse action disclosure. The court could award me actual damages and statutory damages as well.I spoke with an employee at your dealership concerning a saab, and strictly prohibited him a minimum of 5 times from running a credit check. What you are doing is obviously criminal. Your casual disregard for federal law is frightening, and will soon catch up with you. I have already contacted WYFF channel 4, the Fair Trade Commission, and I have given you enough notice and time to fix this mistake as agreed to.
Cons: All- unauthorized credit checks- even once I repeated not to pull my credit.
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