by MA Loper - Posted Thu October 11, 2007 @ 11:03 AM
You have a few problems with your letter.
First of all, you give absolutely no proof that you were discriminated against based on your race. Now if, perhaps there was additional conversation with the "rude woman" to effect of her calling you an "ignorant N-word" or other inappropriate degrading slur, that would be very different. But based on what you wrote, you have no basis to argue or even suggest that the rep's motives were racially motivated.
Secondly.you have no proof that they broke any laws. They are not OBLIGATED to extend credit to you based on YOUR interpretation of your credit rating. They said, quite plainly, that based on the information YOU provided them, they could not provide you with any credit.If you failed to include pertinent information, that would be an entirely different situation.
You might have a great relationship with Equifax, but maybe this company uses Transunion (or whatever it is this week!)when they check someone's credit. Just because you claim to have a great rating there, if that's not where they obtain their verification, it might as well be printed on the moon. Credit is a privilege, not a right.
Third, you have no proof of false advertising either. Did they say that they extend credit to EVERYONE? Then how did they mislead you? Your outrage aside, none of your opinions even REMOTELY factually based.
For someone who claims to be an entrepreneur, you aren't very smart about how you handle your business, nor how you present yourself. No one is going to want to work with a vendor that claims they are being racilally discriminated against everytime things don't go their way.
I would also advise that you consult an attorney before you post letters like this to a public forum in the future. It really doesn't bode well for an up and coming enterprise to get slapped with a fat libel lawsuit so early on.