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Sample letter (Bureau): Removal of unauthorized inquiry

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Richard
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Richard

Joined: 27 Jun 2006
Richard's page
Posts: 108

4499 Magic Points

Subject: Sample letter (Bureau): Removal of unauthorized inquiry

Sat Jul 22, 2006 9:03 am

Hi,

I have prepared this sample letter which you may send to a credit bureau requesting an investigation for unauthorized inquiries appearing in your credit report. Ensure that you use certified mail instead of ordinary mail to get a prompt response.

Hope this helps you.

Regards,
Richard

{Insert your full name}
{Insert your current address}
{Insert your current phone number}

RE: Unauthorized credit inquiry

Dear {Insert creditor bureau's name},

Kindly note that while checking my personal credit report which I acquired from your organization on {insert date of report}, I noticed some unauthorized inquiries.

The details of the inquiries are as follows:

Line number: {Insert line number}
Inquiry made by: {Insert name of the creditor making the inquiry}

Please also note that prior to making this request I have tried to contact the concerned organization who have conducted the inquiries and asked them to remove the same from my credit profile and cease their illegal activities with immediate effect but in vein. Since I sent the letters requesting return receipts more than 30 days ago, I have proof that my letter reached at their address. But they have failed to respond and honor my request.

Hence I hereby seek your generous help in resolving the matter. In accordance with the Fair credit Reporting Act, I request you to kindly start an investigation into the matter. After the investigation is complete if you find my allegation to be correct, please remove the unauthorized inquiries at your earliest and send me a fresh copy of my credit report at my current address. Also note that if you find that the inquiries I mentioned above to be correct, kindly send me a description of the operation used in your investigation within 15 days of completion of re-investigation.

If you need to contact me, I can be reached at {Insert daytime phone number including area code}.

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 creditor was authorized to do the inquiry, 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.

If you have any questions concerning this matter I can be reached at {Insert daytime phone number including area}.

Thanking you in anticipation,

{Insert your full name}
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Mary

Joined: 06 Jul 2006
Mary's page
Posts: 166

5169 Magic Points

Wed Jul 26, 2006 11:45 am

Thank Richard for such a useful sample letter. People really look for these letters when in need. Can we have a separate sample letter section altogether?
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carol

Joined: 27 Jun 2006
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Posts: 272

7874 Magic Points

Tue Aug 01, 2006 9:38 am

I too have similar opinion since I have seen other forums where these letters are hard to find in the jungle of posts.

But I think it will be better to have this sample letter section in our upcoming Wiki. This will help others as well to improve/update the content of the letters and at the same time add new ones.

~Carol
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Carol

Richard
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Richard

Joined: 27 Jun 2006
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Posts: 108

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Thu Aug 03, 2006 7:37 am

Hi,

Thanks for your valuable feedbacks. I am sending them to our technical team for possible implementation.

Regards,
Richard
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BOBBIE
Guest

Subject: EX-HUSBANDS CREDIT CARDS ON MY CREDIT REPORT

Tue Oct 10, 2006 3:05 pm

I HAVE CALLED & VERIFIED WITH THE CREDIT CARD COMPANIES THAT THESE ARE "SOLE ACCOUNTS" OF MY EX ONLY . I AM NOT ON THERE ANYWHERE. BUT THEY REFUSE TO REMOVE THEM FROM MY CREDIT. THEY SAID I WILL HAVE TO SUE THEM TO GET THEM REMOVED. I DONT HAVE THE TIME NOR THE MONEY FOR AN ATTY. ANY SUGGESTIONS??

george

george

Joined: 06 Jul 2006
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Posts: 75

2859 Magic Points

Thu Oct 12, 2006 3:57 am

Talk to several attorneys and find one willing to do it on contingency. The court may award their fees to be paid by the party erroneously reporting.

How did you verify these as sole accounts?

Did the CC companies say their records show them as sole accounts? Did you dispute with them in writing? Did you dispute with the CRAs in writing? Are they being reported by the OC (the original CC company), or by a CA?

Are you saying that you never applied jointly with your husband? Were you an authorized user? Were these accounts opened after you separated or divorced? Are you in a community property state? What does your state law say about such debts if incurred while married?

Alex

Joined: 29 Jun 2006
Alex's page
Posts: 13

768 Magic Points

Thu Oct 12, 2006 4:00 am

Yeah.......you should dispute them as not yours.
If you are only an authorized user on the accts, they will get deleted without a hassle.

jimmy
Guest

Subject: midland credit management

Mon Jan 22, 2007 7:29 pm

I have 5 hits on my credit report for 1 account they sold. they never contacted me about the account. is that legal

hiblues
Guest

Tue Jun 19, 2007 8:30 pm

for EQ, simply go online and do a dispute...
I had 12 inq's removed in less than 2 weeks..

for TU.. simply do soft pulls ( via there service) everyday for like a month, and
for whatever reason, the inq's start dropping off.

for EX, place a fraud alert on your report and then send a letter requesting that they remove x,y. z inq's.

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 194
Location: Sunny Arizona

6594 Magic Points

Mon Dec 31, 2007 12:01 am

hi, hiblues...

What you said about EX, is very intersting... I would like to hear from anyone else who has tried this method...

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 194
Location: Sunny Arizona

6594 Magic Points

Mon Dec 31, 2007 12:03 am

Well, I just saw the dates....my bad...

Hey Jimmy, if the account was sold, then it was in default.. The company who purchases the "bad account" can and will pull your credit..

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 638

176 Magic Points

Subject: bobbi

Mon Jan 07, 2008 5:51 pm

did you post it in the paper 3 times that you are not responsible for your xs bills this is whats required in some states to not be held accountable. especially if your names not on the account and you can verify the charges were made after the separation.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34292 Magic Points

Tue Jan 08, 2008 4:53 am

Thats a pretty old question Da. Smile

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Regards,
Laura.

fireyone

Joined: 26 Feb 2008
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Posts: 1857

8785 Magic Points

Thu Mar 27, 2008 9:22 pm

Wasn't even aware you could post something like that in the paper. Wow.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2476

2725 Magic Points

Fri Mar 28, 2008 12:43 am

yeah you can post just about anything you want to if you are willing to pay for it.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

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