This letter should be used to request that inquiries are reporting correctly and that duplicate inquiries are deleted.
To Whom It May Concern:
RE: REQUEST TO MERGE INQUIRIES WITH ACCOUNTS
The presence of inquiries as entries separate from accounts on my credit report inaccurately duplicates information. These inquiries reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be removed, or at least merged into the accounts to which they belong. The accounts in question are:
| Creditor Name | Creditor Address / Contact Info | Account # |
Under the provisions of the Fair Credit Reporting Act 15 USC § 1681i, please reinvestigate and delete these disputed items. Send me names and addresses of persons contacted. Thirty days from receipt of this letter is the length of time you are allowed under 15 USC §1681i (5)(A) to complete these actions unless you immediately notify me otherwise. It should be understood that failure to reinvestigate within this time constitutes non-verification, and the items must be promptly deleted according to § 1681i(a).
Also, pursuant to 15 USC § 168li (d) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Send an updated copy of my credit report to my above address.
According to the provisions of §612 [USC 15 §1681j], there should be no charge for this report.
Last four digits of SSN: _____________________________
Sincerely,