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Hey Everyone I would like feed back on this letter that I faxed to Americredit concerning a non permissible credit inquiry that they did on me. Although a lot was cut and paste I am very proud of it ,If I made a mistake or could have written it better please let me know. My feelings wont be hurt.


1100 w Grove Pkwy

Tempe AZ 85283


June 10, 2003

Christi Simpkins

As per my Experian credit report, Americredit obtained my credit file on 06/21/2001.

This according to the inquiry was “For collection purposes”

I don’t recall ever having an account with your company. Therefore there was no need to pull my report for collection purposes.

My Ex-wife Kristine M A*****s SS# 5**-**-***1 had a loan with your company approximately two years after our divorce. But this is not a permissible purpose since I was not married to her at the time of the loan.

FCRA Sec 604 sub sec5 (B) A permissible purpose for making a consumer report on a nonapplicant spouse can never exist under the FCRA, where Regulation B, issued under the Equal Credit Opportunity Act (12 CFR 202), prohibits the creditor from requesting information on such spouse. There is no permissible purpose to obtain a consumer report on a nonapplicant former spouse or on a nonapplicant spouse who has legally separated or otherwise indicated an intent to legally disassociate with the marriage. (This does not preclude reporting a prior joint credit account of former spouses for which the spouse that is the subject of the report is still contractually liable. See discussion in section 607, item 3 - D infra.)

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

“(B) Civil liability for knowing noncompliance. Any person who obtains 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 $1,000 dollars which is greater”

From the 1998 FTC opinion letter Greenblatt at


“Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 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 $1,000 by 6/25/03

Please respond by fax @ 1-270-***-****


Carl A******s


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