Formal FCRA demand letter requiring Experian, Equifax, and TransUnion to delete unauthorized hard inquiries. Cites 15 U.S.C. §1681b(a)(2) and §1681b(a)(3)(F)(i) prohibiting the furnishing of consumer reports to persons without a permissible purpose or legitimate business reason. Demands certification of permissible purpose, disclosure of the user who pulled the report, and deletion of the inquiry. Includes civil-liability warning under 15 U.S.C. §1681n for willful noncompliance.
Formal FCRA demand letter requiring Experian, Equifax, and TransUnion to delete unauthorized hard inquiries. Cites 15 U.S.C. §1681b(a)(2) and §1681b(a)(3)(F)(i) prohibiting the furnishing of consumer reports to persons without a permissible purpose or legitimate business reason. Demands certification of permissible purpose, disclosure of the user who pulled the report, and deletion of the inquiry. Includes civil-liability warning under 15 U.S.C. §1681n for willful noncompliance.