Credit Inquiry Dispute Letter

Credit Inquiry Dispute LetterThis is a sample credit inquiry dispute letter that you can send to the unauthorized inquirers, demanding them to remove their inquiries from your credit report.

Send your dispute letter via certified mail, return receipt requested, so that you have document that the inquirers received your correspondence.

Remark: For disputing other issues on your credit report follow this link.






For your convenience, copy this text into your favorite text editor software, or you can download a text version of it from here. Replace the bolded items with your personal information and edit the [square brackets] as required.

Sample Credit Inquiry Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Name of Inquirer
Address
City, State, Zip Code

Dear Sir or Madam:

I recently received a copy of my [Name of Credit Bureau] credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing.

I understand that you shouldn’t be allowed to put an inquiry on my file unless I have authorized it.  Please have this inquiry removed from my credit file.

I have sent this letter certified mail because I need your prompt response to this issue.  Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.

Sincerely,

Your name

In case that the inquirer has ignored you, use the below sample credit inquiry dispute letter to demand the credit bureau that they remove the unauthorized inquiries from your report.

Again, send your dispute letter via certified mail, return receipt requested, so that you have document that the credit bureau received your correspondence.

For your convenience, copy this text into your favorite text editor software, or you can download a text version of it from here. Replace the bolded items with your personal information and edit the [square brackets] as required.

Sample Credit Inquiry Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Credit Bureau
Address
City, State, Zip Code

Dear Sir or Madam:

I’ve recently obtained a copy of my credit report from your agency, and found the following unauthorized inquiries made to my credit report.

This letter is a formal request to remove these unauthorized inquiries listed below from my credit report. I’ve enclosed a copy of the report, with the unauthorized inquiries encircled.

Line Item:         [Insert line Number]
Inquirer Name: [Insert the name of the company or person making the inquiry]
Inquiry date:     [Insert the date of the inquiry]
Made With:       [Insert the name of the credit reporting agency]


Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity.

Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter.

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at [insert daytime phone number including area code].

Enclosed are copies of [use this statements if applicable and describe any enclosed documentation, such as the copy of the letter you sent to the inquirer] to support my position.

I’m reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days.

Please send me a copy of my updated credit report to the address listed above following the completion of your investigation.

Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.

Sincerely,

Your name

Enclosures: [List the documents you are enclosing. If none, do not include this section]









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