8/8/2019 Inquiry Removal Template

1/1

VERIZON COMMUNICATIONS

Legal Department

August 1, 2010

To whom it may concern:

As per my Experian credit report, VERIZON COMMUNICATIONS obtained my credit

file on 2/6/2009.

I don't recall applying for credit or employment with VERIZON COMMUNICATIONS.

From the FCRA 616. Civil liability for willful noncompliance [15 U.S.C. 1681n]

"(b) Civil liability for knowing noncompliance. Any person who obtains a consumer

report from a consumer reporting agency under false pretenses or knowingly

without a permissible purpose shall be liable to the consumer reporting agency for

actual damages sustained by the consumer reporting agency or $2,500, whichever

is greater."

From the 1998 FTC opinion letter Greenblatt at

http://www.ftc.gov/os/statutes/fcra/greenblt.htm:

"Any person who procures a consumer report under false pretenses, or knowingly

without a permissible purpose, is liable for $2,500 or actual damages (whichever is

greater) to both the consumer and to the consumer reporting agency from which

the report is procured."

Please explain your permissible purpose for your obtaining my credit file. Should

you not have a permissible purpose, please arrange for payment of $2,500 by

August 15, 2010.

Please respond via fax to 484-840-5527.

Sincerely,

Terrance Oates

Terrance Oates