I receive a mailed " offer '' of Do n't let Your Credit Limit Decrease from Home Depo. I feel this is a rather adverse action being taken towards me as I know of no wrong doing on my part. I could understand closing my account for inactivity but treatening to reduce my limit as a marketing tool to try and get me to use the card does not go over very well. I believe this company is in violation of Truth In Lending Act ( TILA ) and Equal Credit Oppertunity Act ( ECOA ) on XXXX fronts. First the " offer '' is not in an " Adverse Action '' format to include the primary reason for taking this action and if they used third party information like a credit report. Second is this action take against me imperical based on my actions or 3rd party information causing this limit decrease. I can vey much assure you I paid this account ontime for 23 months during an interest free offer when I replaced my roof. My credit has not declined as I work in the financial industry and it 's reguired of me for my position of 16-years to maintain an A+ ( XXXX or better XXXX credit score. 
