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- 0.2 Direct Source Credit Repair Letters
- 0.3 Credit Reporting Agency (CRA) - Remove Inquiry Letter
- 1 Unauthorized credit inquiry letter
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Use the appropriate Unauthorized Credit Inquiry Letter to notify your Credit Reporting Agency of inquiries listed on your credit report. Ask them to send you proof of your authorization of each inquiry you challenge. It they cannot provide such proof, demand they remove the inquiry from your report.
Direct Source Credit Repair Letters
- All Credit Repair Letters
- Unauthorized Credit Inquiry Letters
- Proof of Collection Letters
- Courtesy Letters
- Duplicate Accounts Letters
- Individual Accounts: Individual Unauthorized Credit Inquiry Letter
- Joint Accounts: Joint Unauthorized Credit Inquiry Letter
[Name of Company that did the inquiry]
RE: Unauthorized Credit Inquiry
Dear: [Company Name],
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn’t be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue.
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.
Credit Reporting Agency (CRA) - Remove Inquiry Letter
Use this letter when you discover unauthorized *Hard Inquiries* on your credit reports!
You’ve asked the creditors or other companies responsible to cease checking your reports and to remove their illegal inquiries but so far they’ve ignored your requests.
If after you’ve asked creditors or other organizations to cease performing “illegal hard inquiries” into your credit profiles, but they continue doing so, consider sending a letter similar to the one below to the credit reporting agencies to have them remove the unauthorized inquiries. (See more on unauthorized inquiries)
You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter, simply submit the FREE Request Form or Get all letters in one convenient package
Current Phone Number
This letter is a formal request to remove unauthorized inquiries from my credit report. I’ve enclosed a copy of the credit report that your organization provided me on
Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).
On November 2, 2014, I sent a letter to USAA to dispute an unauthorized credit inquiry with Experian and TransUnion credit report. The credit report showed a credit inquiry by USAA on 6/14/2013 that I do not recall authorizing. I said nicely in the letter that I understand that USAA is not allowed to put an inquiry on my file unless I have authorized it. I also asked nicely for USAA to please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
In addition, I said that I sent this letter certified mail because I need USAA’s prompt response to this issue. I said “please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, please send me proof.”
On November 21, 2014, USAA Federal Savings Bank, ATTN: USAA/Consumer Report Dispute sent me a disrespectful letter that said “we will not investigate your dispute further because we have determined that your dispute is frivolous and/or irrelevant due to the following reason: You did not provide sufficient information for us to be capable of conduction an investigation of the dispute.”
I would like to know who sent that letter to me and why this person is disrespecting me, your customer of 14 years? Not once was I disrespectful. The professional thing to do was just send me a “consumer report dispute form” and ask me to fill it out without the disrespectful words of “frivolous and/or irrelevant” because those are hostile words. I have a right to inquiry about anything USAA related that involves me without all the disrespect.
Use this sample credit inquiry removal letter as a template for your formal notification.
The consumer should view their credit report at least once or twice a year to see if there are any irregularities. If they are applying for credit and constantly getting turned down, it may be because their credit score is unfairly low. The first thing to do is make a request to the three major credit bureaus; Experian, TransUnion and Equifax. If the credit bureaus are able to identify the consumer’s identity, and there is no freeze on their report, they can order it online. Otherwise, they need to submit the request by phone or through the mail.
Sample 1 - Credit Inquiry Removal Letter