Inquiry Dispute Letters

1. Please note that if the account has been written off and sent to a collection agency, don’t dispute late payments but rather follow the dispute process highlighted in the Collection category.
2. When sending letters to credit bureaus, always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2, or a recent utility bill. Only 2 forms of ID are required. As long as you have your name at the close of the letter, there is no requirement that you sign it.
3. You are NOT required to send proof of identity to creditors and collectors and we do not recommend signing the dispute letter.
4. Do not copy these letters without making significant modifications. You will need to tailor the wording of each letter to fit your individual situation. These sample letters are meant to give you ideas on how to structure your own credit dispute letters.

Your Full Name

Address

City, State, ZIP



Creditor
Address
City, State, ZIP 


To Whom It May Concern;

The reason for this letter is to dispute an unauthorized inquiry on my credit report.

Made by: {insert name of company or person making the inquiry}
Made on: {insert date of inquiry}
Made with: {insert name of credit reporting agency}


To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(a): Permissible Purposes of Consumer Reports as well as Section 1681b(c): Transactions Not Initiated by Consumer.

If you are in possession of any documentation — bearing my signature — that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report(s). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.

Sincerely, 

Your Name


Your Full Name

Address 

City, State, ZIP



Creditor
Address
City, State, ZIP 


To Whom It May Concern;



This letter is now the SECOND and FINAL time I will be contacting you in order to remove the following UNAUTHORIZED inquiry: 



Made by: {insert name of company or person making the inquiry}
Made on: {insert date of inquiry}
Made with: {insert name of credit reporting agency}



The documentation you submitted after my first request is entirely inadequate because it does not show authorization — bearing my signature — for you to access my credit file. Thus, you have not shown you had obtained “Permissible Purpose” which is a clear violation of the Fair Credit Reporting Act, Section 1681b(a): Permissible Purposes of Consumer Reports as well as Section 1681b(c): Transactions Not Initiated by Consumer.


You are again instructed to forward any documentation that you believe authorizes you or your organization to make inquiries into my credit report to my address listed above.

Let me be perfectly clear: I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry.



Sincerely, 

Your Name

Your Full Name
Address 
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern;

For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file:

ATTCIDMT with Date of Inquiry of 01/23/2022

I contacted the furnisher and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.

I have provided information about each furnisher and inquiry. I have also attached copies of USPS Certified Mail receipts showing each furnisher receiving my complaints. I now request that you open an investigation into this matter.

Let me be clear on a matter of importance: I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry.

In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed.

Sincerely,

Your Name

Your Full Name
Address 
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

This letter is now the SECOND and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiry issue(s) which follow: 



ATTCIDMT with Date of Inquiry of 01/23/2022

My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher.

I have already provided ample proof and documentation of my efforts to communicate with the furnisher(s) and their failure to provide ANY documentation of permissible purpose or authorization from me.

This inquiry must now be deleted. Send me an updated credit report showing the removal.

Sincerely, 

Your Name