(Sample Identity Theft Dispute Letter)
Below is a sample dispute letter that a consumer can use to dispute accounts or debts that are being reported on the consumer’s credit report despite being the result of identity theft. This letter can be sent to Experian, Equifax, Trans Union, or any other credit reporting agency. As always, send this letter via certified mail so that you have proof of mailing.
[Date]
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[RE: Your Account Number (if known)]
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. 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 Report and proof of my identity.
- 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.
Sincerely,
[Your Name]
Enclosures: [List what you are enclosing]
- Identity Theft Report
- Proof of identity: [a copy of your driver’s license/other government-issued identification card/other]
- Copy of Credit Report
(Write to each relevant credit reporting agency, one at a time:)
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374-0256
-or-
Experian
P.O. Box 4500
Allen, TX 75013
-or-
TransUnion
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19022-2000
As an alternative, you may dispute items with the credit bureaus online. Look for “dispute” on their websites: Equifax, Experian, and TransUnion.
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.
If credit bureau disputes are not successful, feel free to contact us for your FREE consultation.
