Hard Inquiry Dispute Letter
Draft hard Inquiry Dispute Letter with an escalation ladder and an evidence checklist.
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Write a letter disputing a credit inquiry I did not authorize. Details I will supply: agency [AGENCY_NAME], inquiry [INQUIRY_DETAILS], date [INQUIRY_DATE], why I did not authorize [REASON]. Please have the letter ask for the authorization record and removal if none exists. Identify the inquiry by name and date, say I did not apply for credit with that company, and ask for the application record and authorization. If there is none, ask for removal. Mention identity theft only if I have evidence. Gather before drafting: the inquiry listed on my report, the date, the company name, and a statement that I made no application or consent. Realistic outcomes to ask for: removal of the inquiry if unauthorised, and a letter to the company asking how it obtained my file. They will often answer: "You gave permission when you applied." Answer by asking for the application record with the signature or consent log. For the hard inquiry dispute letter, ask me questions one at a time, starting with the facts still blank, and only then write the letter. Supply the finished letter along with a 60-word cover note, plus an if-ignored ladder (company request, then regulator), then an evidence checklist (report, notes), and one delivery tip. Mail it by certified or registered post with a signature on delivery, then file the receipt and a scan of the letter. The output is a draft for me to review, not legal advice, so do not assert my rights. Write the letter as me, a private individual, with no lawyer or firm voice, and claim no professional standing. Request every missing detail up front and highlight what would fail without evidence. State no legal rules or time limits yourself; use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN], and add a line telling me to verify the exact law with a professional or my local consumer agency. Sound reasonable, factual and resolute, with nothing hostile or exaggerated, and put the date from [DEADLINE] on any request.
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