Document background
The Credit Inquiry Removal Letter is a crucial document in Canadian consumer credit protection, designed to help individuals maintain accurate credit reports and protect their credit scores. This document is typically used when unauthorized hard inquiries appear on a credit report, or when inquiries were made without proper consent. The letter must comply with Canadian federal regulations, including PIPEDA and the Consumer Reporting Act, and should be sent to the relevant credit bureau(s) operating in Canada. It includes specific details about the disputed inquiry, personal identification information, and the legal basis for the removal request. This document is particularly important as unauthorized credit inquiries can negatively impact credit scores and may indicate potential identity theft or fraudulent activity.
