Legal Question in Credit and Debt Law in Illinois
I was engaged with a car dealership in purchasing a car. A confidentiality form had been signed by myself allowing them to perform the usual credit check. The Dealership not only performed a credit check but also contacted two Debt Collector(s), first posing as me and again as my wife (I have been divorced since 1985). The Dealership provided personal information to the Deblt Collector(s). This was discovered myself and readily admitted by the Dealership. As a result, I was told there would be communications forthcoming from the Debt Collector(s).
1. Did the Dealership break the law by misrepresenting themselves as myself and ex-wife?
2. Did the Dealership break the law by contacting the Debt Collector(s)?
3. Did the Dealership break the law by discussing and/or providing information to the Debt Collector(s).
4. Can the Dealership and/or employess be held responsible for any damages now or in the future from actions 1,2 and 3 above?
1 Answer from Attorneys
They absolutely committed fraud by impersonating someone to obtain information. Whether they violated any law by disclosing financial information would depend on the scope of the release you signed.
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