Who is this inquiry?

[JessicaRabbit88]

DFS-BSD/CIT BANK

Sales Financing Company

Aug 24, 2004

 

Here is the thing, I didn't apply for anything yesterday. So I am wondering who this is for (this is on Experian) ??

 

Any ideas?

 

Jessica

[JessicaRabbit88]

Oh I just saw on my same report:

 

DFS-BSD/CIT BANK

Sales Financing Company

Mar 15, 2004

 

and

 

DFS-BSD/CIT BANK

Sales Financing Company

Jan 7, 2004

 

I am NOT happy about this!

 

Still have no clue who they are :twisted:

[f150northbayman]

DFS/CIT

 

Dell Financial Services

 

CIT is the bank they use for their fianancing.

 

That what it looks like to me..I could be wrong tho

[JessicaRabbit88]

Okay then that is crap! I DID apply with Dell yesterday, but under business ONLY I did not give them a PG (personal guarentee) and no permission to pull my personal credit!

 

UGHHHH

 

Jessica

[f150northbayman]

Okay then that is crap! I DID apply with Dell yesterday, but under business ONLY I did not give them a PG (personal guarentee) and no permission to pull my personal credit!

 

UGHHHH

 

Jessica

 

Good luck with them. They are the most un-organized company I've ever dealt with. Both their customer support and their financing people are total salamanders! I've had nothing but problems with them. Good luck tho!

[JessicaRabbit88]

I am on the phone with them right now - I better get them deleted or it will be a $3,000 lawsuit I will file this week!

 

Jessica

[psp]

I am on the phone with them right now - I better get them deleted or it will be a $3,000 lawsuit I will file this week!

 

Jessica

 

You go Jess!! :wink:

[Snglmom]

You GO girl.......

[Cascades]

I bet you got nowhere with them. They are absolutely the worst!!!!!

 

I closed my account with Dell last month and they are reporting properly. I feel I am lucky that I got away from them without being dinged.

 

Cas

[JessicaRabbit88]

Well I guess I am typing up the lawsuit!! The CSR told me, "you need to dispute this with the CRA". I told her expect a $3000 lawsuit then! She said, "have a nice day".

 

Game on!

 

Jessica

[pryan67]

Well I guess I am typing up the lawsuit!! The CSR told me, "you need to dispute this with the CRA". I told her expect a $3000 lawsuit then! She said, "have a nice day".

 

Game on!

 

Jessica

 

 

Do you have her name? Supeona her as well...

[Snglmom]

ohhhhhhh my......they are messing with wrong girl this time!!!!

 

You go for it girl !!!!!

[mark]

I applied with Dell, was approved..they pulled my report more than once (cant remember how many times). the same inquiry you have.

I called their accounting number and told them I wasnt ever going to use the card unless those got removed, this did not work. I called their sales line and talked to an actual 'sales person' at their 800 number, told him the same thing, miraculously 3 days later they were gone..and I never used the account. Told him that I'd buy a Dell from him if he took care of it. guess money talks.

 

I never used it anyway though.

it was horrible terms, like 1500 bux and 19% interest..forget that.

plus all of their support is in india and none of the folks I talked to could speak or understand english. they didnt even know what a credit report was in their india-based accounting department.

[tle5000]

Please ask me about a dell computer. Three hard drives in one year has gone out. When you call their service number, the person does not speak too of good English. I would never buy another one but thats me. I have some friends who also have had major problems. However they do come out within five days and replace the parts and then you must reload everything.

[JessicaRabbit88]

Anyone have the CEO's email address?

 

I thought it might be nice to give them a 48 hour warning notice.

 

Jessica

[Pam]

They use the format First_Last@dell.com

 

Any of the stock sites should have the CEO's name.

[JessicaRabbit88]

Here it is:

 

1st the list:

 

'kevin_rollins@dell.com'; 'Michael_dell@dell.com'; 'William_amelio@dell.com'; 'paul_bell@dell.com'; 'jeff_clark@dell.com'; 'Martin_garvin@dell.com'; 'Michael_George@dell.com'; 'John_hamlin@dell.com'; 'joseph_marengi@dell.com'; 'paul_mckinnon@dell.com'; 'John_medica@dell.com'; 'randall_mott@dell.com'; 'glenn_neland@dell.com'; 'rosendo_parra@dell.com'; 'james_schneider@dell.com'; 'lynn_tyson@dell.com'; 'lawrence_tu@dell.com'; 'thurmond_woodard@dell.com'

 

2nd the email:

 

To Whom It May Concern:

 

Attached you will find the lawsuit which I will file with the Third District Court of XXX Utah and serve to your Registered Agent, CT Corporations, if the issue is not resolved within 48 hours from the timestamp of this email.

 

I contacted your customer service office to resolve the issue and they said there was nothing they could do, and so I should file a lawsuit if that is what I felt would solve it.

 

Unfortunately your company leaves very little other options.

 

In order to avoid a lawsuit I will accept

Remove of all three non-permissible inquires from my report

Monetary compensation of $1,500 payable within 5 business days of acceptance of this agreement in certified funds

Upon agreement of the above, I will withdraw my lawsuit.

 

Sincerely,

 

JessicaRabbit

 

3rd the Complaint:

 

PRELIMINARY STATEMENT

 

1. The Plaintiff brings this action for damages based upon Defendant’s violation of the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq. (hereinafter referred to as the “Act”). Plaintiff seeks actual damages, statutory damages, punitive damages, injunctive relief, cost, and potential attorney fees.

 

PROVISIONS RELATING TO JURISDICTION AND VENUE

 

2. The Plaintiff is a bona fide resident of XXX, State of Utah and has been for three months immediately prior to filing this action. Defendant is a foreign corporation authorized to do business in XXX, State of Utah.

 

3. Plaintiff and Defendant have conducted business in XXX, State of Utah. Venue properly lies in XXX, State of Utah, pursuant to 28 U.S.C § 1391b.

 

4. Plaintiff files this pleading in the United States District Court for the District of Utah under § 28 U.S.C. 1331 and 15 U.S.C. § 1681p jurisdiction of courts; limitation of actions of the Act, stating an action to enforce any liability created under this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within two years from the date on which the liability arises.

 

TRIAL BY JURY

 

5. Plaintiff, JessicaRabbit, Pro Se, is entitled to and hereby requests a trial by jury. U.S. amend. 7, Fed. R. Civ. Pro. 38.

 

FIRST CAUSE OF ACTION

 

Statement of Facts

 

6. On January 07, 2004 Defendant obtained a copy of Plaintiff’s credit file (Exhibit “1).

 

7. Plaintiff had applied for a business account with Dell, and listed name as a “contact” only. No where on the application did it state that Plaintiff was to be a personal guarantor or that Plaintiff’s credit report would be pulled for application (Exhibit “2”).

 

8. Defendant did not have permissible purpose to Plaintiff’s credit report per § 1681( of the Act;

Statement of Claim

 

9. In the entire course of its action, Defendant willfully and/or negligently violated provisions of the Act in the following respects:

 

a. by obtaining a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose in violation of § 1681n( of the Act;

 

SECOND CAUSE OF ACTION

 

Statement of Facts

 

10. Plaintiff repeats and realleges each and every allegation in paragraphs 6 – 8 with like effect as if fully repeated herein.

 

11. On March 15, 2004 Defendant obtained a copy of Plaintiff’s credit file (Exhibit “1”).

 

12. Plaintiff had applied for a business account with Dell, and listed name as a “contact” only. No where on the application did it state that Plaintiff was to be a personal guarantor or that Plaintiff’s credit report would be pulled for application (Exhibit “2”).

 

13. Defendant did not have permissible purpose to Plaintiff’s credit report per § 1681( of the Act;

 

Statement of Claim

 

14. In the entire course of its action, Defendant willfully and/or negligently violated provisions of the Act in the following respects:

 

a. by obtaining a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose in violation of § 1681n( of the Act;

 

THIRD CAUSE OF ACTION

 

Statement of Facts

 

15. Plaintiff repeats and realleges each and every allegation in paragraphs 6 – 8 and 10 – 13 with like effect as if fully repeated herein.

 

16. On August 24, 2004 Defendant obtained a copy of Plaintiff’s credit file (Exhibit “1”).

 

17. Plaintiff had applied for a business account with Dell, and listed name as a “contact” only. No where on the application did it state that Plaintiff was to be a personal guarantor or that Plaintiff’s credit report would be pulled for application (Exhibit “2”).

 

18. Defendant did not have permissible purpose to Plaintiff’s credit report per § 1681( of the Act;

 

19. Plaintiff called Defendant to remedy non-permissible inquiries. Plaintiff spoke with customer service representative “Tia” who stated the only option for removal of incorrect inquiries is to dispute with the credit reporting agency.

 

Statement of Claim

 

20. In the entire course of its action, Defendant willfully and/or negligently violated provisions of the Act in the following respects:

 

a. by obtaining a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose in violation of § 1681n( of the Act;

 

PRAYER FOR RELIEF

 

THEREFORE, Plaintiff prays that the court grant:

 

a) punitive damages in the amount of $10,000 as to her First Cause;

statutory damages in the amount of $1,000 as to her First Cause;

c) punitive damages in the amount of $10,000 as to her Second Cause;

d) statutory damages in the amount of $1,000 as to her Second Cause;

e) punitive damages in the amount of $10,000 as to her Third Cause;

f) statutory damages in the amount of $1,000 as to her Third Cause;

g) injunctive relief as provided by 15 U.S.C §1681 of permanent removal of inaccurate information;

h) any attorney fees if applicable; and

i) costs.

 

FURTHER, sayeth naught.

 

Dated this ____ day of ______________, 2004.

_____________________________

JessicaRabbit

(pro se)

[pryan67]

AWESOME!!!! Nail them to the wall...and marry me...*lol*

[JessicaRabbit88]

Just an FYI

 

Your message did not reach some or all of the intended recipients.

 

Subject: Lawsuit That Will Be Filed Within 48 Hours

Sent: 8/25/2004 12:11 PM

 

The following recipient(s) could not be reached:

 

jeff_clark@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

joseph_marengi@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

randall_mott@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

rosendo_parra@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

james_schneider@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

lawrence_tu@dell.com on 8/25/2004 12:11 PM

The e-mail account does not exist at the organization this message was sent to. Check the e-mail address, or contact the recipient directly to find out the correct address.

<AUSX2KCPC109.aus.amer.dell.com #5.1.1>

 

Edited to add:

 

But I did get an out of office reply for Thurmond_Woodard@Dell.com

 

So we know that one was good, and the rest must have went through as well because no return mail notification for them

 

Ahhh you got it Pyran

 

Jess

[pryan67]

WOOHOO!!!! I get to marry Jessica!!! *Doing my patented happy dance*

 

 

 

 

I can't wait to see their reaction to the emails...

[Cheech]

Jessica - just a tip for knowing if people received your emails... not sure what email program you use, but most of them (Outlook for sure has this) have an option that notifies you when an email is delivered and when it is read.

[scaryjerry]

michael_dell@dell.com

 

source = http://www.fastcompany.com/magazine/44/dell.html

[JessicaRabbit88]

Got a call on my cell phone from "Jackie Cooper" with Dell Executive Support who left a message to call her regarding an email they had received. I called back - she wasn't there - left a message.

 

We shall see what happens,

Jessica

[douginsea]

Anxouisly awaiting to hear what your friend at dell says.. EYES GLUED TO THE COMPUTER RIGHT NOW>>>>>>>>>>> gosh this is better then afternoon soap...

[CALady]

This is an awesome thread! Keep us posted, Jess!

 

Congrats on the upcoming marriage, pryan! <giggle>