My $1,000 demand to Verifacts for obtaining my Trans Union credit report
As long-time readers know, I put the permissible purpose claims on the map when Wells Fargo paid me $1,000 for running my credit without permissible purpose way back in 2001. This thread at the now closed CreditForum.org was read over 49,000 times:
Wells Fargo: SETTLED for $1,000 + deletion of UNAUTHORIZED inquiry
I just read it and it’s amazing how patient I was. If Verifacts doesn’t settle this week, I’ll file the lawsuit and it won’t just be for $1,000. I’ve been asking Trans Union for the permissible purpose through their outside counsel Tiffany Cox (formerly Hawkins) with Strasburger since 7/1/09:
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5) What is the permissible purpose for the VERIFACTS IN credit inquiry on 4/24/09?
...I did NOT apply for credit with Verifacts. What is the permissible purpose?
On 8/3/09, Darnell Benitez with Strasburger wrote:
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5. Trans Union is still reinvestigating the 4/24/09 Verifacts inquiry and will supplement this response when more information is available.
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I heard nothing from Trans Union or Strasburger and wrote on 8/25/09:
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If I don’t have their permissible purpose by the end of the week I’ll be filing another lawsuit.
Are you telling me that Trans Union does NOT know the permissible purpose for the credit reports it sells?
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I received NO response. I also didn’t file the lawsuit because I’ve been so busy and ill. Just for kicks, I thought I’d ask Verifacts what their permissible purpose was. I assume that Trans Union contacted them and they SHOULD have been researching the inquiry for over 2 months.
Here is the fax I just sent to Verifacts:
To: Verifacts
LEGAL DEPARTMENT
204 1st Ave
Sterling , IL 61081
(815) 626-9300Via fax to 815-626-9323 – 1 page including cover
9/14/09
Re: Verifacts obtained my credit report without permissible purpose
To Whom It May Concern:
On 4/24/09 your company obtained my Trans Union credit report. I have not applied for credit with you and I have no idea why you would obtain my credit report.
Please contact me by 9/18/09 to either explain why you obtained my credit report or arrange to pay statutory damages of $1,000.
You must contact me by fax to 571-222-1000 as I receive snail mail only every few weeks and time is of essence.
I will file suit if this matter is not resolved by 9/18/09.
Sincerely,
Christine Baker
I will update with the alleged permissible purpose, settlement or lawsuit. I just created a new category for Verifacts and unless they settle, there will be a LOT more to post.
Posted by Christine on 09/14/2009 at 08:46 PM
2009 Verifacts credit inquiry - $1,000 demand • (0) Comments • Permalink
