Dispute Letter to Remove Unauthorized Inquiries From Your Credit Report
Whenever a creditor views your credit history, it will appear as an inquiry on your credit report. Too many inquiries can lower your Credit Score, which may cause your credit application to be denied.
You should know that sometimes a business can access your Credit Report without your permission. However, unauthorized inquiries can be removed from your credit history.
Dispute the unauthorized inquiries with the three credit bureaus. To begin the process, you will need to submit a formal dispute form to each credit bureau. You are required to submit a separate dispute form for each unauthorized inquiry you are disputing.
Wait for the credit bureaus to contact you. It may take up to 45 days for the credit bureaus to investigate your disputes. The credit bureaus are required by law to contact the creditor or company listed on your dispute form, to verify whether or not you gave them permission to view your credit history. If the disputed inquiries were indeed unauthorized, the credit bureaus will remove them from your credit report.
Give the credit bureaus at least 30 days to remove the unauthorized inquiries from your credit report. After 30 days, order a current copy of your credit report from the three credit bureaus and make sure each report has been properly updated.
Your Street Address
Your City, State ZIP Code
Credit Bureau Name
Their Street Address
Their City, State ZIP Code
Dear Credit Bureau,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible:
CREDITOR AGENCY, account xxx-xxxx-xxx
The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.