Re: Review of my credit history with out my consent.

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On 11/28/03, Bob wrote:
> A well known bank reviewed my credit history without my
> consent. I was sent a letter which declined me for credit
> I never asked for. Do I have any remedies?
> Thanks
> Bob

If you did not initiate business with the bank, the bank may
be liable under the Fair Credit Reporting Act and similiar
state statute for a token amount of damages- $500 or $1000.

I don't think you'd get more than that if the access wasn't
malicious (for example, if you were an adversary in
litigation, you might get significant damages).

I'd worry more about the possibility that someone applied
for credit in your name- ie IDENTITY THEFT- first.

Re: Review of my credit history with out my consent., 11/29/03, by Turtle.

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