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Letter to remove inquiries from TU


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city, state

Trans Union

Chester, PA 19022

Dear Trans Union,

I am very distraught that you have reported 3 unauthorized credit inquiries on my credit report. They do not belong to me. I have made several attempts to contact the company who was listed as pulling my credit with no success. I have called your office twice to have this matter investigated. I was told both times that you do not investigate inquiries. When I informed your customer service representative that according to the FCRA, the credit reporting agency is obligated to investigate everything that I dispute, including inquiries, she told me there was no such law.

I beg to differ:

611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(a) Reinvestigation of disputed information.

(1) Reinvestigation required.

(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

As you are no doubt aware, there is a law that backs this up. I have tried previously to get this matter resolved with your company. Unfortunately my patience is running thin. I insist that you remove the following inquiries from my credit files or you can expect a lawsuit to be filed and numerous complaints to be made with the Better Business Bureau and the FTC.

CREDCO 00/00/2003

CREDCO 00/00/2003

CREDCO 00/00/2003

Thanks Morrow!

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