- Discussion board

Hey, I need some advice on getting unauthorized inquiries removed from my TransUnion Credit Report. They are being really REALLY snotty about it. Here is the letter as follows.

Dear Consumer,

We are in receipt of your correspondance in which you request that we remove unauthorized inquiries from your credit file.

A credit grantor does not have to have written authorization from the consumer in order to pull a credit file, ony a permissible purpose is needed. If you feel that the companies who inquired into your credit file did not have a permissable purpose as outlined in the fair credit reporting act section 604, you may wish to contact them directly concerning their inquiry is incorrect. They may provide us with the written authorization requesting the removal of the inquiry.

Please include the file number from the upper right corner on all correspondance w/ Trans Union.

Sincerely,
Consumer Relations Department
Telephone, 1-800-916-8800

This is BULL. It would be a soft inquiry if they had a permissible purpose without me allowing the inquiry, correct? Is there anyone here with ideas. If so, please write a prefab letter here or something, because it's bull when someone else applies me online for credit cards when I never MYSELF applied!!!