@bonafidelegal: Followed by script ⬇️ Purpose: Verify & Remove Unauthorized / Unverified Inquiries + Data Breach Concern Opening (Identity + Documentation) “Hi, my name is [Full Name]. Before we begin, I’d like to note that this call may be documented for my records. I’m calling regarding unauthorized and unverified hard inquiries on my credit file that appear to violate my rights under the Fair Credit Reporting Act.” State the Issue Clearly “I’ve reviewed my credit report and I see several inquiries that I did not authorize, and for which I have no permissible purpose or relationship with the listed companies. Under the FCRA Section 604, a company must have a permissible purpose and my written authorization to access my report. If that cannot be verified, those inquiries must be removed immediately.” Data Breach Concern Language (important leverage) “Additionally, due to ongoing industry data breaches and identity-misuse concerns, I do not consent to any party accessing my file without strict verification. If these inquiries resulted from unauthorized access or insufficient verification procedures, that raises a security and compliance issue that needs to be addressed right away.” Direct Request “So today I am formally requesting: • Verification of each inquiry • The name of the requesting party • The permissible purpose documentation • Method of verification • And removal of any inquiry that cannot be fully verified” Put Them on the Spot (forces action) “If you cannot provide proof of permissible purpose while we’re on the phone, please note the account for immediate deletion or dispute investigation under FCRA Section 611.” Ask for Confirmation “Can you confirm: 1. A dispute/investigation has been opened today 2. The confirmation or reference number 3. The expected completion date 4. That the unverified inquiries will be removed if proof is not produced” Close Professionally “Thank you. I’ll be monitoring the results and expect compliance within the FCRA investigation timeframe. Please send written confirmation of the outcome to my mailing address and email on file.” Let me know your progress 👍👍 . #credit #debthelp #studentloans #fixmycredit #financialfreedom

Credit Restoration

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Monday 02 February 2026 22:33:45 GMT