Sample Credit Inquiry Dispute Letter
-This letter is used for a very specific purpose: to ask a person or company to justify, prove authorization for, or remove an “inquiry” (a “hit” or “pull” of a credit report) by an unauthorized person or company. This approach rarely works on its own, but this letter can serve as evidence when following up with a credit reporting agency such as equifax or experian.
September 28, 2007
First USA, NA
800 Brooksedge Blv
Westerville, OH 43081
Re: Unauthorized Credit Inquiry, TransUnion and Experian, 5/07
To Whom It May Concern:,
I recently received a copy of my above-referenced credit report(s). The credit report(s) showed a credit inquiry (on the above-referenced date) 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 because it is making it very difficult for me to acquire credit. Your action constitutes a violation of the Fair Credit Reporting Act and is illegal an injurious to my credit rating.
If you find that I have erred, and you did have my authorization to inquire into my credit report, then please send me proof of this in writing.
Otherwise, I insist that you immediately contact the above-referenced credit bureau to remove this inquiry from my credit report.
For the purposes of verification only, and not for use by you to correct or update your files, my personal information appears below:
Larry David, 01/01/1981, 000-00-0000
Current address: 9999 Brodie Lane, Austin, TX 78748