California Hard Inquiry Dispute Letter Template

Date: __________________

Subject: Request to Reinvestigate Unauthorized Hard Inquiry

To Whom It May Concern,

I am a California consumer writing to dispute hard inquiries appearing on my credit report that I believe were obtained without my authorization or without a legally permissible purpose under the Fair Credit Reporting Act and applicable California consumer credit reporting protections.

Inquiry details:
- Company name: __________________
- Date of inquiry: __________________
- Bureau(s) reporting the inquiry: Experian / Equifax / TransUnion
- Reason I believe the inquiry was unauthorized or impermissible: __________________

I request that you conduct a reinvestigation and verify whether the company had a legally valid permissible purpose to access my credit file. If the inquiry cannot be verified as authorized and permissible, I request that it be removed from my credit report.

Please provide written confirmation of the results of your reinvestigation.

Sincerely,

Name: __________________
Address: __________________
City, State, ZIP: __________________
Phone: __________________
Email: __________________

Note: This is a general educational template and not legal advice. Inquiry Removal customizes dispute letters to the specific inquiry, facts, and law involved in each case.