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Investigation took more than 30 days. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, as well as the inquiries made