// credit reporting dispute

INQUIRY REMOVAL

Inquiry Removal Letter

If there are inquiries on your credit report that you did not authorize and did not benefit from, they must be deleted. Unauthorized inquiries constitute fraudulent activity. This letter goes directly to Experian, TransUnion, and Equifax.

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[YOUR NAME] [YOUR ADDRESS] [CREDIT REPORTING AGENCY NAME] [CREDIT REPORTING AGENCY ADDRESS] RE: Inquiry Removal Dear [CREDIT REPORTING AGENCY NAME], While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies: Inquiries: [ACCOUNT NAME], Inquiry Date: [DATE] [ACCOUNT NAME], Inquiry Date: [DATE] [ACCOUNT NAME], Inquiry Date: [DATE] I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ([CREDIT REPORTING AGENCY]) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b(c) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand that you, [CREDIT REPORTING AGENCY], produce a contract between you and me, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611. My contact information is as follows: [YOUR NAME] [YOUR ADDRESS] Best Regards, [YOUR NAME] Without Prejudice, All Natural Inalienable Rights Reserved

Bureau mailing addresses

BureauAddress
ExperianP.O. Box 9701, Allen, TX 75013
EquifaxP.O. Box 740256, Atlanta, GA 30374-0256
TransUnionP.O. Box 2000, Chester, PA 19016

Sending instructions

  • Send to all three credit reporting agencies
  • Include a copy of your state-issued ID and Social Security card
  • List each unauthorized inquiry with the company name and date
  • Send via certified mail with return receipt
  • Keep a copy for your records
  • Bureaus have 30 days to investigate under FCRA Section 611
  • For phone-based inquiry removal, call the bureau's fraud department