These Credit Inquiry Information and Removal Letters are for use when you discover that your credit information has been accessed without your permission or for illegal purposes. Obtaining credit reports under false pretenses is considered a criminal act. The Fair Credit Reporting Act (FCRA) prohibits access and use of such information without a permissible purpose. If you discover that your credit report has been accessed without a permissible purpose or illegally ran, you can enforce the FCRA prohibition through the civil justice system. The FCRA allows you to sue and recover your actual damages, punitive damages if appropriate, plus attorney fees and court costs.

This Credit Inquiry Information and Removal Letters contains the following:

• Unauthorized Access to Credit File: This letter sets forth the name of the company who accessed your credit report without your consent. It also sets out the penalties for this unauthorized access and demands an explanation as to why your files were accessed.
• Removal of Inquiry: This letter sets forth the name of the company who inquired about your credit without your authorization and demands that this unauthorized inquiry be removed as it affects your credit score and ability to receive credit.

Protect Yourself and Your Rights by using this accurate and up-to-date form. This attorney-prepared package includes:

1. Information
2. Credit Inquiry Information and Removal Letters

State Law Compliance: This form complies with the laws of all states