Here are some of the main statutes you can cite to dispute and request removal of unauthorized hard inquiries on your credit report:

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– Fair Credit Reporting Act (FCRA) – This federal law regulates credit reporting agencies and provides consumer rights relating to credit reports. Cite Sections 604 and 611 for unauthorized credit checks.

– Fair Debt Collection Practices Act (FDCPA) – Prohibits debt collectors from using unfair, deceptive or harassing practices, like unauthorized credit checks. Cite Section 804.

– Fair Credit Billing Act (FCBA) – Provides consumer protections for open-end credit accounts like credit cards. Cite this for inquiries related to new accounts you did not open.

– Equal Credit Opportunity Act (ECOA) – Prohibits credit discrimination on basis of gender, race, marital status, etc. Cite this if you were improperly denied credit after an inquiry.

– Driver’s Privacy Protection Act (DPPA) – Restricts access to and use of DMV records, including credit checks without driver consent.

– Credit Repair Organizations Act (CROA) – Prohibits deceptive credit repair tactics, including baseless hard inquiry disputes.

Referencing the specific statutes and sections that were violated in your dispute letter can help hold credit bureaus accountable and demonstrate you know your legal rights. Make sure to highlight how the law applies to your particular situation.