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Hard Inquiry Removal Letter

Hard Inquiry Removal Letter Template for Germany

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Key Requirements PROMPT example:

Hard Inquiry Removal Letter

"I need a Hard Inquiry Removal Letter in German to dispute an unauthorized credit check made by AutoFinanz GmbH on January 15, 2025, as I never applied for any services with them and did not authorize this inquiry with SCHUFA."

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Document background
The Hard Inquiry Removal Letter is a crucial document used when an individual discovers unauthorized or incorrect hard inquiries on their German credit report. These inquiries, which can negatively impact credit scores, must be disputed through formal channels in accordance with German data protection laws and GDPR requirements. The letter serves as a formal communication tool with credit reporting agencies (primarily SCHUFA) and includes specific references to relevant legislation, personal identification details, inquiry information, and legal grounds for removal. It's particularly important in cases of unauthorized credit checks, identity theft, or erroneous reporting. The document must comply with German legal requirements, including the Bundesdatenschutzgesetz (BDSG) and European data protection regulations, while providing clear evidence and argumentation for the removal request.
Suggested Sections

1. Sender Details: Full name, address, and contact information of the person requesting the hard inquiry removal

2. Recipient Details: Credit agency's name, department, and full address

3. Subject Line: Clear identification of the letter's purpose: 'Request for Hard Inquiry Removal - [Account/Reference Number]'

4. Personal Identification: Key identifying information including date of birth and any relevant account or reference numbers

5. Inquiry Details: Specific details of the hard inquiry being disputed, including date and organization that made the inquiry

6. Legal Basis: Reference to GDPR Article 16 (right to rectification) and relevant BDSG provisions

7. Formal Request: Clear statement requesting removal of the hard inquiry

8. Response Timeline: Statement requesting response within the legally mandated timeframe (typically 30 days)

9. Signature Block: Formal closing, date, and signature

Optional Sections

1. Unauthorized Inquiry Declaration: Include when the inquiry was made without proper authorization

2. Identity Theft Statement: Include when the inquiry resulted from suspected identity theft

3. Previous Communication Reference: Include when there has been prior communication about this issue

4. Urgency Statement: Include when immediate removal is necessary due to pending credit applications

5. Legal Representation Notice: Include when the letter is being sent by a legal representative

Suggested Schedules

1. Identity Verification Documents: Copies of government-issued ID or passport

2. Credit Report Extract: Relevant section of credit report showing the disputed hard inquiry

3. Supporting Evidence: Any documentation supporting the removal request (e.g., proof of non-authorization, identity theft report)

4. Power of Attorney: If applicable, documentation showing legal authority to act on behalf of the affected person

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















Clauses


















Relevant Industries

Banking & Financial Services

Credit Reporting

Consumer Services

Legal Services

Real Estate

Telecommunications

Insurance

Retail Banking

Automotive Finance

Identity Protection Services

Relevant Teams

Legal

Compliance

Data Protection

Consumer Affairs

Risk Management

Customer Service

Regulatory Affairs

Credit Operations

Privacy Office

Consumer Protection

Relevant Roles

Data Protection Officer

Privacy Manager

Legal Counsel

Compliance Officer

Consumer Rights Advocate

Credit Risk Manager

Customer Service Representative

Identity Protection Specialist

Banking Operations Manager

Financial Advisory Consultant

Consumer Protection Specialist

Regulatory Compliance Analyst

Industries





Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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