Hard Inquiry from a Company I Didn’t Apply With Dispute Letter

Full Name

Address

Contact Information

To:

Credit Bureau

Select Credit Bureau Details Experian - General Disputes & Consumer Relations, P.O. Box 4500, Allen, TX 75013 Experian - Corporate Office & Legal Correspondence, 701 Experian Parkway, Allen, TX Experian - Fraud & Identity Theft Department, P.O. Box 9554, Allen, TX Experian - Compliance & Legal Affairs, Experian Service Center, 28 Liberty St, New York, NY 10005 Equifax - Fraud & Identity Theft Department, P.O. Box 105518, Atlanta, GA 30348 Equifax - General Consumer Correspondence & Compliance, P.O. Box 740241, Atlanta, GA 30374 Equifax - Disputes & Consumer Relations, P.O. Box 740256, Atlanta, GA 30374-0256 TransUnion - Dispute & Consumer Services, P.O. Box 2000, Chester, PA 19016-2000 TransUnion - Fraud & Identity Theft Department, P.O. Box 805, Woodlyn, PA 19016 TransUnion - Corporate Headquarters & Legal Department, 555 West Adams, Chicago, IL 60661

Subject: Urgent Dispute – Unauthorized Hard Inquiry from Unknown Company

To Whom It May Concern,

Upon reviewing my credit report, I discovered that a hard inquiry has been performed by a company with which I have no prior business relationship and for which I never applied for credit or services. This is an unlawful credit file access violation and a clear breach of my rights under the FCRA 15 U.S.C. § 1681b.

I demand that this unauthorized inquiry be immediately removed from my credit file

Details of the Unauthorized Hard Inquiry:

Company Name:

Date of Inquiry:

Required Actions from You:

1. Immediately remove this unauthorized hard inquiry.
2. Provide me with a written confirmation that the inquiry has been deleted.
3. Send me an updated copy of my credit report reflecting this correction.

Legal Consequences of Non-Compliance:

If this issue is not resolved within 30 days, I will take immediate action by:

• Filing complaints with the CFPB, FTC, and my State Attorney General’s Office for unauthorized credit file access. >
• Seeking legal action for damages resulting from fraudulent or unlawful access to my credit report.
• Contacting the creditor directly to demand justification for the inquiry or to issue legal proceedings against them.

This letter serves as formal notice of dispute. You are expected to comply with your legal obligations immediately.

Sincerely,

Generate Letter

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