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Sample Identity Theft Dispute Letter to Company

(Sample Fraudulent Charges Dispute Letter)

Below is a sample dispute letter that a consumer can use to dispute fraudulent charges that have been made on their credit card account as the result of a fraudster somehow obtaining access to their credit card. This could be an unauthorized purchase of an item at a gas station or on Amazon. As always, send this letter via certified mail so that you have proof of mailing.


[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Name of Company]
[Fraud Department (companies may specify an address to receive fraud dispute letters), or Billing Inquiries Department]
[City, State, Zip Code]

[RE: Your Account Number (if known)]

Dear Sir or Madam:

I am writing to dispute [a] fraudulent charge(s) on my account in the amount(s) of $___, and posted on [dates]. I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies (CRAs) to which you provided it.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [Consumers should redact information that is unrelated to the dispute with this company.] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions.

[Your Name]

Enclosures: [List what you are enclosing]

Identity Theft Report
Proof of identity: [a copy of my driver’s license/other government-issued identification card/other]
Credit report with disputed information indicated

Please note, this is not legal advice, but merely to give an example of what a letter could look like. We highly recommend that you consult with an attorney if you believe that your rights have been violated.

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