Unauthorized Hard Inquiry Dispute Letter Template

Use this template as a starting point for disputing a hard inquiry that you believe was made without permissible purpose under the Fair Credit Reporting Act. Customize all facts, inquiry names, dates, and bureau information before sending.

[Your Name]
[Your Address]
[City, State ZIP]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]

RE: Unauthorized hard inquiry dispute under FCRA Section 604, 15 U.S.C. § 1681b

To Whom It May Concern:

I am disputing the hard inquiry listed below because I did not authorize this company to access my credit report, and I do not believe the company had permissible purpose under the Fair Credit Reporting Act.

Disputed inquiry/inquiries:
[Company Name]
[Inquiry Date]
[Credit Bureau Showing Inquiry]

Please investigate whether the company had a legally recognized permissible purpose to access my credit report at the time of the pull. If the company cannot verify lawful authorization and permissible purpose, please delete the inquiry from my credit report.

Sincerely,
[Your Name]