I stumbled across this letter so I decided to post for you all: Your Name 123 Your Street Address Your City, ST 01234 Big Credit Bureau Their Street Address Some City, ST 56789 2/10/1999 Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible: CREDITOR AGENCY, acct. 123-34567-ABC The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Sincerely, your signature Your Name SSN# 123-45-6789
Here's two more Date Credit Bureau Address RE: Acct. #... Dear TRW: Going over my credit report I have found it has many errors. I request your investigation of the following: 1. Sears I spoke with Sears again to verify my records. They confirmed this as my account and that there were no late payments to this account. They will draft a letter if needed to correct this error. Please contact this creditor 2. Foreclosure 5/92 I did not have a foreclosure in 1992 or since then. Please remove this. 3. Collection Account _____________ I have tried to get to the bottom of this with the information your company supplied. How are you able to confirm when I cannot? (See enclosed copy). This is not mine. Please remove this. The consumer has no protection against automobile salesman who are not concerned about a persons credit report or what problems multiple inquiries can cause. Your credit bureau has legal responsibility in this matter. There should be more supervision on access to credit files by salesman with these dealerships. I did not authorize the following inquiries and demand they be remove from my file: 1. GMAC There are 4 different days in November of 19**. Why would this be? Please remove 3 of these entries. I only authorized one time. 2. Nissan Motor Acceptance Corp. I only authorized one. Please remove the other 4 entries. These listed accounts are not my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. Please send a copy of my corrected possible to my address listed below. Sincerely, Your Signature Name Address Social Security Number --------------------------------------------- Prepare letters to each inquiring creditor asking them to remove their inquiry. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file. Your letter can go something like this: Re: Unauthorized Credit Inquiry Dear American Express, I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unathorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance, Jane Caveat-Debtor