Hard Inquiry Dispute Letter
This HARD INQUIRY DISPUTE LETTER is a written request to the credit agencies to investigate and remove unauthorized or inaccurate hard inquiries from the credit report. This letter asserts the individual's rights under the Fair Credit Reporting Act (FCRA) and cites relevant USC provisions to support the dispute.
The FCRA mandates credit bureaus to conduct a reasonable investigation and provide a written response within 30 days. This letter serves as a tool to protect credit scores and ensure the accuracy and completeness of credit reports.
This letter also reminds the bureau of their obligation to ensure accuracy and completeness of the credit report under the FCRA.