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 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 below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

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 payment records, bank records, checks, court documents etc.] 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 furnisher[s] of information, 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]