Identity Theft Sample Letter
[Your Name]
Your Address
City, State ZIP Code
Phone: (___) ___-____
Email: __________________
Date: __________________
Credit Bureau Name
Credit Bureau Address
City, State ZIP Code
Re: Identity Theft – Dispute of Fraudulent Information on My Credit Report
To Whom It May Concern:
I am writing to dispute fraudulent information in my credit report. I am a victim of identity theft, and the following account(s) do not belong to me. I am making this request under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681i, which requires that you investigate and remove inaccurate information.
Please conduct a reasonable reinvestigation of the disputed items and remove all fraudulent information. Enclosed are documents supporting my claim of identity theft.
Disputed / Fraudulent Item(s):
Creditor / Furnisher Name: _______________________
Account Number (last 4 digits): ________
Reason for Dispute:
☐ Not my account
☐ Opened fraudulently
☐ Unauthorized charges / payments
☐ Other: ____________________________________
Explanation:
(Briefly explain that this account or charge is fraudulent and not yours. Example: This account was opened without my knowledge or consent.)
Attach copies, not originals:
☐ Copy of police report or FTC Identity Theft Report
☐ Copy of driver’s license / government ID
☐ Proof of address (utility bill, lease, etc.)
☐ Credit report highlighting the fraudulent account(s)
☐ Any correspondence with creditor(s) regarding the fraudulent account
Please:
1. Delete or correct all fraudulent entries in my credit report.
2. Provide me with a written confirmation of the results of your reinvestigation.
3. Send an updated copy of my credit report reflecting the corrections.
As required by the FCRA, please complete your investigation within 30 days.
Thank you for your prompt attention to this urgent matter.
Sincerely,
[Your Name]
Enclosures / Supporting Documentation:
Creditor / Furnisher Name: _______________________
Account Number (last 4 digits): ________
Reason for Dispute:
☐ Not my account
☐ Opened fraudulently
☐ Unauthorized charges / payments
☐ Other: ____________________________________
Explanation:
(Briefly explain that this account or charge is fraudulent and not yours. Example: This account was opened without my knowledge or consent.)
Attach copies, not originals:
☐ Copy of police report or FTC Identity Theft Report
☐ Copy of driver’s license / government ID
☐ Proof of address (utility bill, lease, etc.)
☐ Credit report highlighting the fraudulent account(s)
☐ Any correspondence with creditor(s) regarding the fraudulent account
Please:
1. Delete or correct all fraudulent entries in my credit report.
2. Provide me with a written confirmation of the results of your reinvestigation.
3. Send an updated copy of my credit report reflecting the corrections.
As required by the FCRA, please complete your investigation within 30 days.
Thank you for your prompt attention to this urgent matter.
Sincerely,
[Your Name]
Requested Action:
Creditor / Furnisher Name: _______________________
Account Number (last 4 digits): ________
Reason for Dispute:
☐ Not my account
☐ Opened fraudulently
☐ Unauthorized charges / payments
☐ Other: ____________________________________
Explanation:
(Briefly explain that this account or charge is fraudulent and not yours. Example: This account was opened without my knowledge or consent.)
Attach copies, not originals:
☐ Copy of police report or FTC Identity Theft Report
☐ Copy of driver’s license / government ID
☐ Proof of address (utility bill, lease, etc.)
☐ Credit report highlighting the fraudulent account(s)
☐ Any correspondence with creditor(s) regarding the fraudulent account
Please:
1. Delete or correct all fraudulent entries in my credit report.
2. Provide me with a written confirmation of the results of your reinvestigation.
3. Send an updated copy of my credit report reflecting the corrections.
As required by the FCRA, please complete your investigation within 30 days.
Thank you for your prompt attention to this urgent matter.
Sincerely,
[Your Name]