Sample Letter
Request to Merge Inquiry with Account

DateAddressRE: Request to Merge Inquiry with AccountDear Sir/Madam:I recently received my credit report and located problems of inaccurate reporting. A copy of the credit report is attached, with the items marked.The presence of the inquires as entries separate from the resulting accounts inaccurately duplicates information. The 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.Under the provisions of the Fair Credit Reporting Act, 15 USC Section 1681i, please reinvestigate and delete these disputed items. Send me names and addresses of persons contacted. I shall assume that 30 days constitutes a "reasonable time" to complete these actions unless you immediately notify me otherwise. It should be understood that failure to reverify within this time constitutes non-verification, and the items must be promptly deleted according to Section 1681i (a).Also, pursuant to 15 USC Section 1681i (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 the below address. According to 15 USC Section 1681j, there is no charge for notification of changes on my credit report.Sincerely,

name
address, city, state, zip
social security number