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Report: #1271487

Complaint Review: FLINT MOBILE INC - Redwood City California

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  • Reported By: Christopher B. — New York New York USA
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  • FLINT MOBILE INC 2395 BROADWAY ST Redwood City, California USA

FLINT MOBILE INC Unauthorized Hard Credit Pull Redwood City California

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Re: Unauthorized Credit Inquiry 11-29-2015
FLINT MOBILE INC 
2395 BROADWAY ST
REDWOOD CITY, CA 940631613

To Whom It Concerns at Flint Mobile Inc:
I have noticed that you have placed an inquiry on my Experian credit file dated 11-29-2015. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC § 1681n(a)(1)(B) for an entity to view a consumer's credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"
You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. 

Sincerely,

This report was posted on Ripoff Report on 12/02/2015 08:22 AM and is a permanent record located here: https://www.ripoffreport.com/reports/flint-mobile-inc/redwood-city-california-94063/flint-mobile-inc-unauthorized-hard-credit-pull-redwood-city-california-1271487. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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