3 Proven Letters to Dispute Credit Report Errors

When addressing the issue of removing hard inquiries from your credit report, it’s important to be clear, concise, and to provide all the necessary information to facilitate the process. Below are three detailed templates you can adapt to your specific situation:

Template 1: Inquiry Not Authorized by Me





[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Your Email Address]
[Your Phone Number]

[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]


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Subject: Request to Remove Unauthorized Hard Inquiry

Dear [Credit Bureau Name],

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report. According to my recent credit report, dated [Date of Credit Report], there is a hard inquiry listed by [Name of the Company] on [Date of Inquiry], which I did not authorize.

I understand the impact that hard inquiries can have on my credit score, and it concerns me greatly that an inquiry was made without my consent. I hereby request your assistance in investigating and removing this unauthorized inquiry from my credit report.

Enclosed are copies of my credit report highlighting the disputed inquiry for your reference. I kindly ask for a prompt response to this matter and for the inquiry to be removed within the timeframe set by the Fair Credit Reporting Act.

Thank you for your attention to this important matter. I look forward to your swift action to correct my credit report.

Sincerely,

[Your Signature]
[Your Printed Name]

Template 2: Inquiry Information Incorrect

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Your Email Address]
[Your Phone Number]

[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]

Subject: Dispute of Incorrect Hard Inquiry Information

Dear [Credit Bureau Name],

I am reaching out to dispute a hard inquiry listed on my credit report that contains incorrect information. According to my credit report, received on [Date of Credit Report], there is a hard inquiry from [Name of the Company] dated [Date of Inquiry]. However, the information regarding this inquiry is inaccurate.

I request your immediate attention to investigate this matter. I did engage in a transaction that required a credit check with [Name of the Company], but the date/information listed does not match my records.

Enclosed, please find the documentation that supports my claim, including correspondence with [Name of the Company] and any relevant agreements or documents.

I request the correction of this inaccurate information and its removal if it cannot be verified as accurate. I appreciate your prompt attention to this matter and expect a response within the legal timeframe provided by the Fair Credit Reporting Act.

Thank you for your cooperation.

Sincerely,

[Your Signature]
[Your Printed Name]

Template 3: Inquiry Resulting From Identity Theft

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Your Email Address]
[Your Phone Number]

[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, ZIP Code]

Subject: Removal of Hard Inquiry Due to Identity Theft

Dear [Credit Bureau Name],

I am writing to inform you of a hard inquiry on my credit report that I believe is the result of identity theft. According to my credit report, dated [Date of Credit Report], there is a hard inquiry by [Name of the Company] on [Date of Inquiry]. I did not authorize this inquiry, and I suspect it was made by someone fraudulently using my personal information.

Under the Fair Credit Reporting Act, I am requesting that this unauthorized inquiry be removed from my credit report. Attached, you will find a copy of the police report and the Identity Theft Report, which I have filed to document this issue.

Please investigate this matter and remove the fraudulent inquiry from my report as soon as possible. I also request that you send me a written confirmation of the inquiry’s removal.

Thank you for your assistance in resolving this matter. I am eager to have my credit report accurately reflect my credit history without the impact of this identity theft.

Sincerely,

[Your Signature]
[Your Printed Name]


When using these templates, make sure to replace the placeholder text with your personal and specific information. Additionally, always include any supporting documentation that can help your case, such as a copy of your credit report with the inquiry highlighted, any relevant communication with the creditor, or legal documents like a police report for identity theft cases.

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