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Credit Reporting Agency (CRA) - Remove Inquiry Letter (View 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 and I'll send you a copy absolutely FREE!

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Free Sample Letter
Get Unauthorized Credit Inquiries Removed

Today's Date

Your Full Name
Current Address
Current Phone Number

Attention: {insert credit reporting agency name} See names and addresses below
{add CRA address here}

Dear {credit reporting agency}

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 {insert date of report}. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report

Line Item {insert number}:

Creditor: {insert name of creditor(s) making the inquiry}

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).

Sincerely,

Signature
Your Printed Name

Back to Letter

Credit Inquiry Removal Addresses

Experian:
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013

TransUnion: (Eastern United States)
TransUnion
P.O. Box 2000
Chester, PA 19022

TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831

TransUnion: (Puerto Rico)
TransUnion
Puerto Rico Consumer Relations
P.O. Box 13968
Santurce Station San Juan, PR00907-3968

Back to Credit Report Dispute Index