jordanmorganusa Posted October 1, 2004 Report Share Posted October 1, 2004 I'm trying to find where it states that a creditor must keep the original application for 2 years. I sent a credit company an ITS over an unauthorized inquiry, and their VP of Consumer Lending sent me a letter back asking me to call him because he needs more information. Now, of COURSE I'm not sending it, but since in my ITS I quoted law to him, I would like to do so in this letter as well. The original information on the "application" (it was fraud) was enough to get the inquiry done, and by law they should still have it(it's been less than 2 years), then they should have the information, right?I've looked and looked via the Search feature, but can't find the case law or whatever. Any help would be appreciated. Link to comment Share on other sites More sharing options...
rachlls Posted October 1, 2004 Report Share Posted October 1, 2004 VIsit the Federal Trade Commision website. Also your State Atty Gen website. I believe there is a place to file a complaint. I know there are lots of laws there. Link to comment Share on other sites More sharing options...
jordanmorganusa Posted October 1, 2004 Author Report Share Posted October 1, 2004 I just wanted to be able to quote him the law that they should still have the application that was submitted. That way they can't say that I'm being difficult. I'm just gonna file a small claims for the inquiry if they don't delete. The damage has been done, though. In SoCal, you have to try to fix it before you file suit, because it'll ask on the paperwork. I'll look on the FTC and AG sites, though. Thanks again. Link to comment Share on other sites More sharing options...
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