Removing Unauthorized Inquiries
The
following Sample unauthorized Inquiry Dispute Letter letter is a formal
complaint that you are wanting to remove Unauthorized Inquiries
reporting inaccurate and incomplete credit information.
Your Name
123 Your Street Address
Your City, ST 01234
Big Credit Bureau
Their Street Address
Some City, ST 56789
11/15/1999
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, acct. 123-34567-ABC
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.
Sincerely,
your signature
Your Name
SSN# 123-45-6789
Mortgage Glossary10
