TEMPLATE IDENTITY THEFT DISPUTE LETTER TO CREDIT BUREAUS

Not legal advice.

This is purely illustrative and meant to give consumers an example of how to draft their own dispute letter.

To address accounts or debts on your credit report resulting from identity theft, promptly notify the relevant credit reporting agency. While you can dispute on their websites directly, it is always better practice to send a letter to ensure proper evidentiary proof.

Ensure your letter includes all pertinent details and documentation.

Remember to always send via certified mail for proof of mailing.

Send a dispute to each Credit Reporting Agency separately:

Equifax Information Services
P.O. Box 740256
Atlanta, GA 30374-0256

-or-

Experian Information Systems
P.O. Box 4500
Allen, TX 75013

-or-

TransUnion
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19022-2000

[Date]

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

Subject: Dispute of Fraudulent Accounts Due to Identity Theft

Dear [Sir/Madam],

I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft.

[Specify the items resulting from identity theft, including the source (e.g., credit card issuer or bank) and the type of item (e.g., credit account, checking account).]

Please block this fraudulent information from my credit report pursuant to section 605B of the Fair Credit Reporting Act (FCRA) and send the necessary notifications to all furnishers of this information.

Enclosed are the following documents to support my claim:

A copy of my credit report from your agency, with the fraudulent items circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the FCRA, which mandates blocking fraudulent information on my credit report within four business days and promptly notifying the furnishers.

I appreciate your prompt attention to this matter and look forward to your response.

Sincerely,

[Your Name]

Enclosures: