Inquiries vs. account disputes
An inquiry dispute targets a credit pull record, not a full tradeline. Include inquiry date, company name, and which bureau lists the inquiry.
What to include
- Inquiry date
- Company or furnisher name
- Bureau listing the inquiry (Equifax, Experian, TransUnion, etc.)
- Statement that you did not authorize the inquiry
Packet support
Include inquiries on your fraudulent item list and in your FTC report narrative when applicable.
Turn report findings into organized documentation you can use in your own correspondence.
Review Fraudulent Accounts →Frequently asked questions
You may dispute or request blocking of inquiries you did not authorize. Include the inquiry date, the company name, which bureau lists it, and a plain statement that you did not authorize the pull. Outcomes depend on the facts and the agency’s review.
An inquiry you did not authorize and cannot tie to any application you actually made. Inquiries tied to your own applications are generally accurate records, even when unwelcome.
Turn report findings into organized documentation you can use in your own correspondence.
Review Fraudulent Accounts →605b.ai is not a law firm and does not provide legal advice. Consumers should evaluate their individual circumstances and consult qualified professionals where appropriate. 605b.ai does not guarantee that any item will be deleted, blocked, corrected, or changed.