TransUnion Dispute Letter Template

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016

Date: __________________

Subject: Request to Reinvestigate Unauthorized Hard Inquiry

To Whom It May Concern,

I am writing to dispute a hard inquiry, sometimes labeled as a regular inquiry on a TransUnion credit report, that I believe was obtained without my authorization or without a legally permissible purpose under the Fair Credit Reporting Act.

Inquiry details:
- Company name: __________________
- Date of inquiry: __________________
- Report reference or file number, if available: __________________

I am requesting that TransUnion conduct a reinvestigation of this inquiry and verify whether the company had a legally valid permissible purpose to access my credit file under 15 U.S.C. § 1681b. If the inquiry cannot be verified as authorized and permissible under the FCRA, I request that it be removed from my TransUnion credit report.

If this inquiry has already been disputed through Credit Karma or directly with TransUnion and returned as verified, I also request documentation showing the basis on which TransUnion concluded that the pull was authorized and supported by permissible purpose.

I have enclosed copies of the following supporting materials, if applicable:
- A copy of my TransUnion credit report with the disputed inquiry marked
- Identification documents
- Proof of address
- Supporting documentation relevant to the dispute

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 federal law involved in each case.