Remove unauthorized inquiry: Sample letter to credit bureau             Click here to Print

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#Richard - Says,

Hi,

I have prepared this sample letter that you may send to a credit bureau requesting an investigation of unauthorized inquiries appearing on your credit report. Ensure that you use fax or certified mail instead of ordinary mail to get a prompt response. Here's the letter:

Sample unauthorized inquiry removal letter to credit bureau

Your Name __________
Your Address __________
Your Phone # __________


Credit Bureau's Name ________________
Credit Bureau's address ________________

Date __________

Dear Sir or Madam,

RE: Investigation of unauthorized inquiries

While checking my personal credit report, which I acquired from your organization on [insert date of report], I noticed some unauthorized inquiries had been made.

I have tried to contact the concerned organization, who conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than 30 business days ago, they have failed to respond to and honor my request.

Therefore, I am forced to request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within 15 business days of the completion of the re-investigation.

Sincerely,

Your Signature _____________

Your Name ______________

#Mary - Says,

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?
#carol - Says,

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

#Richard - Says,

Hi,

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

Regards,
Richard

#BOBBIE - Says,

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 - Says,

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 - Says,

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 - Says,

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

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 - Says,

hi, hiblues...

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

#SunDevilsFan - Says,

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 - Says,

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 - Says,

Thats a pretty old question Da. Smile
#fireyone - Says,

Wasn't even aware you could post something like that in the paper. Wow.
#goodnatured - Says,

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