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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

"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.


Terrance Oates
Terrance Oates