Dealer Inquiry Dispute Letter Template

Date: __________________

Subject: Request to Reinvestigate Unauthorized Car Dealership Hard Inquiry

To Whom It May Concern,

I am writing to dispute hard inquiries appearing on my credit report that I believe resulted from a car dealership credit pull that was not properly authorized or did not have a legally permissible purpose under the Fair Credit Reporting Act.

Dealership details:
- Dealership name: __________________
- Visit/application date: __________________
- Lenders or finance companies that appeared as hard inquiries: __________________
- Bureau(s) reporting the inquiries: Experian / Equifax / TransUnion

I did not provide informed authorization for the hard inquiries listed above. If my information was submitted to multiple lenders, I request verification that each individual lender had a legally valid permissible purpose to access my credit file. If any inquiry cannot be verified as authorized and permissible under the FCRA, I request that it be removed from my credit report.

Supporting details:
- I was told the pull would be soft: Yes / No
- I purchased a vehicle: Yes / No
- I authorized multiple lender submissions: Yes / No
- I asked the dealership to limit submissions: Yes / No

Please conduct a reinvestigation and provide written confirmation of the results.

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 federal law involved in each case.