We have completed your request for an investigation of item(s) on your credit file. The following results were found: We were able to verify applications submitted through Lending Tree, First USA (FCC National), and Discover. However, you must contact each of them as to the validity of the application and ask that they remove the inquiry should they find it to be incorrect. American Express would not speak to us at all. Providian E pulled your file 4/2000 and 8/2000. What should I do!? I am really confused and don't know how to shoot back at this. I called the local office and the lady there was a real bitch! She told me all these pathetic consumer rights laws are garbage and make everything harder for her! Pathetic my butt! Help me, I need advice, ever a sample letter would be great. Thanks.