Dear Consumer: This will acknowledge the receipt of your recent inquiry. The inquiries shown on your report are FACTUAL. They can only be entered on your report when an inquiry is in fact made. These inquiries will remain on the file for two years. The inquiries which appear on your file are due to the existing accounts which you presently maintain with the creditor. When you enter into an agreement with a specific lender they may retrieve your credit file to review your existing account, or for collection purposes. The Fair Credit Reporting Act requires that inquiries be recorded for a minimum of one year if credit related and two (2) years if related to employment. It is our policy to report all inquiries for a period of two (2) years. Please include the file number from the upper right hand corner on all future correspondence with the credit bureau. If you have any further questions you may contact us directly at blah blah blah. Sincerely, Consumer Relations Department Now what do I do? They refuse to remove all but one inquiry and quote the FCRA, I thought a creditor could only put one inquiry for one loan???