The Hard Inquiry Removal Letter is a crucial document used when an individual discovers unauthorized or incorrect hard inquiries on their credit report in Belgium. These inquiries, which can impact credit scores, must be addressed through formal channels in compliance with Belgian privacy laws and GDPR. The letter serves as an official communication tool for requesting the removal of such inquiries from credit bureaus or financial institutions. It becomes necessary when unauthorized credit checks appear on reports, when duplicate inquiries exist, or when inquiries were made without proper consent. The document must adhere to Belgian legal requirements, including specific provisions under the Belgian Data Protection Act and the Code of Economic Law, while also maintaining compliance with broader EU data protection standards. This template includes mandatory elements for identification, dispute details, and legal bases for the removal request.
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1. Sender Information: Full name, address, and contact information of the person requesting the hard inquiry removal
2. Recipient Information: Name and address of the credit bureau or financial institution
3. Reference Information: Date, account numbers, and any relevant reference numbers
4. Subject Line: Clear indication that this is a request for hard inquiry removal
5. Request Statement: Clear and direct statement requesting the removal of the hard inquiry
6. Inquiry Details: Specific details about the hard inquiry in question, including date and company name
7. Legal Basis: Reference to relevant GDPR and Belgian privacy law provisions supporting the request
8. Required Action: Specific actions being requested from the recipient
9. Response Timeline: Statement of expected timeline for response as per legal requirements
10. Signature Block: Formal closure with full name and signature
1. Unauthorized Inquiry Statement: Include when the inquiry was made without proper authorization
2. Fraud Declaration: Include when the inquiry is related to suspected fraudulent activity
3. Previous Communication Reference: Include when there has been prior communication about this issue
4. Urgency Statement: Include when there is a pressing need for quick removal (e.g., pending loan application)
5. Impact Statement: Include when the hard inquiry has caused specific negative consequences
1. Proof of Identity: Copy of valid Belgian ID card or passport
2. Credit Report Extract: Copy of credit report showing the disputed hard inquiry
3. Supporting Documentation: Any relevant documents proving unauthorized inquiry or error
4. Communication Records: Copies of any previous correspondence regarding this matter
5. Authorization Form: Standard authorization form for information modification request
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