Demand to Remove Unauthorized Hard Inquiries

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] | Email: [CLIENT EMAIL] DOB: [CLIENT DOB] | SSN (last 4): XXX-XX-[CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER] RE: Formal Dispute & Demand for Removal of Unauthorized Credit Inquiry Pursuant to 15 U.S.C. § 1681b & § 1681i To Whom It May Concern at [BUREAU NAME], I am writing to formally dispute an unauthorized hard inquiry appearing on my consumer credit report. Under Section 604 of the Fair Credit Reporting Act (15 U.S.C. § 1681b), credit reporting agencies may only furnish a credit report when the requesting party has a valid permissible purpose and consumer authorization. The unauthorized inquiry details are as follows: Inquiring Company: [INQUIRY COMPANY] Inquiry Date: [INQUIRY DATE] Dispute Reason: [ACCOUNT DISPUTE REASON] Requested Action: [ACCOUNT CORRECT INFORMATION] I did not initiate an application for credit, employment, or insurance with [INQUIRY COMPANY] on or around [INQUIRY DATE], nor did I provide express permissible authorization to pull my consumer credit file. Under 15 U.S.C. § 1681i(a)(1)(A), [BUREAU NAME] must reinvestigate this inquiry. If [INQUIRY COMPANY] cannot produce documented proof of permissible purpose bearing my signature or consent, you must immediately remove this hard inquiry from my credit file. Sincerely, ____________________________________ [CLIENT FULL NAME]