This sample identity theft dispute letter will help remove inaccurate information stemming from identity theft on your credit reports.
The text in [brackets] indicates where you must customize the letter.
We highly recommend that you revise the letter to fit your circumstances.
(Write to each relevant credit reporting agency, one at a time:)
P.O. Box 105069
Atlanta, GA 30348-5069
P.O. Box 9554
Allen, TX 75013
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19016
Dear Sir or Madam:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made/initiated. It is the result of identity theft.
[Identify item(s) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.]
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following:
A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Affidavit from the FTC and proof of my identity.
A copy of the police report outlining the identity theft, listing the inaccurate accounts.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher(s) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Enclosures: [List what you are enclosing]
FTC Identity Theft Affidavit
Proof of identity: [a copy of your driver’s license/ID, social security card, utility bill]
Copy of Credit Report [Highlight or circle any fraudulate accounts]
Fair Credit Reporting Act Section 605B
Send one letter to each credit reporting agency (Experian, Equifax, and TransUnion) along with any attached documents.
If you need help, feel free to reach out to us and we can work on improving your credit scores by removing the derogatory information from your credit reports via credit bureau investigations, debt validation, method of verification, goodwill requests, etc…
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