davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX  XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As a resolution I want these hard inquiries removed from my credit report within the next 30 days. Please send me a copy of my updated credit showing that these inquiries have been removed. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage XXXX
Balance XXXX  Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account number
XXXX
Open/closed
Open
Date opened XXXX XXXX XXXX
Account type
Credit card
Status
Open.
Status updated XXXX XXXX
Highest balance XXXX  Monthly payment
XXXX  Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Phone number XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I sent NOTICE to Equifax on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Equifax received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX XXXX, GA, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXX XXXX  XXXX, GA ( View details on XXXX ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Equifax response did not remove the information as required by the FACT Act and sent a reply stating that Equifax verified the account to be valid. I at no time gave Equifax any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of XXXX XXXX sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

Hello! I need for Lexisnexis to contact the three credit bureaus that they illegally gave adversed accounts to bearing my name and likeness. I need them to ask them to delete the adversed accounts from all three credit bureaus. 
Thanks so much! 
XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-03-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Climb Credit Inc. (TX)

The debt was originally with Climb Loans/XXXX I reached out to climb loanXXXX  on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company XXXX XXXX. The loan was sent to the collection company XXXX XXXX. I paid the debt off on XX/XX/XXXX in full and was advised that XXXX XXXX would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from XXXX on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at XXXX on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from XXXX XXXX. 

The account number of the debt is XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Santander Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

THIS ACCOUNT BALANCE IS INCORECT AND I HAVE NO KNOWLEDGE OF THIS DEBT. 
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM CREDIT REPORT. 
INVESTIGATE THIS INACCURATE FRAUD ACCOUNT OR DELETE IT FROM MY REPORT.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

The company offered me a 0 % interest rate promotion, I accepted this promotion, and the company is reporting my credit card utilization. This is an unfair and predatory lending practice. This company should not be reporting my utilization while I am involved in a special promotion with their company. The company should update the account and remove my utilization % until the promotion is paid off and I return back to using the credit card as a normal credit card instrument. 

Account # : XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (AL)

I never received notification of this debt. I found out about just yesterday because I am in the process of trying to build credit. Wakefield and associates have to marks on my credit history and never tried to contact me about any bills I may have outstanding. I definitely am not sure of the total or when they are from. I just want some type of solid validation they are mine. Until then I want them removed from my credit report cause they are hurting my credit for something I was unaware of
Consumer complaint received 2024-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (PA)

I was denied credit from XXXX XXXX. Upon review of my consumer report, there is a medical collection on my report that should not be there. The account is the result of an on the job injury. I was hit in the face by a crane at work. This is an workers compensation claim. I am not the guarantor nor responsible. Cease and Desist attached.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX has illegally sent me to Fair Collections & Outsourcing of New England, Inc XXXX to collect {$4800.00} for a debt that belongs to my ex-wife XXXX XXXX. XXXX moved there XXXX. I moved in with her XX/XX/XXXX and was added to the lease. We divorced XX/XX/XXXX where as I removed myself from the lease via email as well as by a XXXX  agreement in XX/XX/XXXX at the instruction of the Leasing Business Manager XXXX. I returned to XXXX California. XXXX actually remarried and moved out this XX/XX/XXXX and filed bankruptcy. XXXX XXXX XXXX XXXX XXXX can't collect from her due to the bankruptcy so they are trying to defraud me and illegally send me to collections for a debt that does not belong to me because I relinquished responsibility responsibility when I removed myself from her lease.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXXL XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or consent, as a result of identity theft and fraud. As such, I am requesting that they be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S.C. 1681c ( a ) ( 4 ), credit reporting agencies are required to remove fraudulent inquiries from a consumer 's credit report. As a victim of identity theft and fraud, I am entitled to have these inquiries removed from my credit report. 

I have already taken steps to address the identity theft and fraud, including filing a police report and notifying the relevant financial institutions. I am now requesting that you take action to remove these fraudulent inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.