Sample Letter To Remove Credit Report Inquiry

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Consumer reporting companies must maintain a record of all creditors who have asked for your credit history within the past year, and a record of individuals or businesses that have asked for your credit history for employment purposes for the past two years. Under the FCRA, both the consumer reporting company and the information provider are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider if you see inaccurate or incomplete information. If you feel that there is a credit inquiry on your credit report that wasn't yours, then tell the creditor or other information provider, in writing, that you dispute an item. We have provided a example credit inquiry dispute letter below:



Your Name
Address
City, State Zip

The Company
Address
City, State Zip

Re: Unauthorized Credit Report Inquiry

Dear Capital One,

I recently received a copy of my Trans Union credit report file. The credit report showed a credit inquiry by your company that I do not recall you authorizing. I understand, under my rights, you do not have permission to add an inquiry on my credit file unless I gave you authorization. I request that this inquiry be removed from my credit file.

I am also requesting you to forward me the documentation that you have had the unauthorized inquiry removed from my credit file.

If you find that I am incorrect on the above matter, then please send me proof to the address above.

Thank You,

Your Signature

Your Name


If an investigation doesn't resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. Expect to pay a fee for this service.

You may want to also read Get rid of inquiries on my credit report.

Although all information has been written in good faith and reviewed, please email us at [email protected] to report any inaccuracies.