Credit Inquiry Information and Removal Letters

for Your State

Obtaining credit reports under false pretenses is a criminal act. If you discover that your credit files have been accessed without a permissible purpose use these letters to enforce your rights.

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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
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
 
 
Your Name
Address
City, State & Zip
 
Date:               CERTIFIED MAIL
               Article #
 
Name of CompanyAttn: Legal Department
Address 1
Address 2
City, State & Zip RE:   Unauthorized Access to Credit File
 Dear Legal Department: As per my credit file, your company obtained my credit file on .  Upon review of my file and records, I do not recall applying for credit or submitting a Resume for employment with . Pursuant to The Fair Credit & Reporting Act, § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] specifically states as follows:"(b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000.00, whichever is greater." From the 1998 FTC opinion letter Greenblatt, et al
http://www.ftc.gov/os/statutes/fcra/greenblt.htm:"Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1,000.00 or actual damages (whichever is greater) to both the consumer and to the consumer reporting agency from which the report is procured." Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of $1,000.00 by .
Please respond to this letter by fax to and give it your immediate attention.
 
Enclosed please find a copy of my current photo ID and recent utility bill as proof of my identity and residency. Sincerely, Your Signature 
 
Your Name
SSN
DOB
 
[Prepare a letter to each inquiring Credit Reporting Agency asking them to remove their inquiry. The Fair Credit Reporting ActFair Credit Reporting Act allows only authorized inquiriesinquiries to appear on the consumer credit reportcredit report. Keep a copy for your files and send the letter Certified Mail-Return Receipt Requested.]
 
Your Name
Address
City, State & Zip
 
Date:             CERTIFIED MAIL-RETURN RECEIPT REQUESTED
            Article #
Name of Credit Bureau
Attn:  Consumer Relations Dept.
Address
City, State & Zip
 
RE:    Unauthorized Credit Inquiry Appearing on Credit File
 
Dear Consumer Relations Dept.:
 
I recently received a copy of my credit report, and have had the opportunity to review the contents of the filecredit report.
 
The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt 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. Send me information and documentation showing that I authorized your company to run my credit report. After review, I would appreciate it that you forward me documentation that you have had the unauthorized inquiry removed.
 
If you find that I am remiss, and you do have my authorization to inquire into my credit reportcredit report, then please send me proof of this.
 
Sincerely,
 
Your Signature
 
Your Printed Name
SSN
DOB
Copy Enclosed:  Current photo ID and recent utility bill
 
Number of Pages6
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#29241
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