This is a continuation of our report on how to get identity theft off your credit report.
TEMPLATE TO DISPUTE IDENTITY
Here is a template to use for your dispute letter to the credit reporting agencies (CRA). You must include a police report for this to be the most effective and allow you to sue if not fixed. If they do not fix the error, contact a Fair Credit Reporting Act Attorney.
dispute template for identity theft
DISPUTE LETTER
[DATE]
Equifax Information Services LLC.
P.O. Box 740256.
Atlanta, GA 30374
Experian
Post Office Box 9701
Allen, Texas 75013
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
[YOUR NAME]
[YOUR ADDRESS]
[DATE OF BIRTH]
[LAST 4 OF SOCIAL]
Dear Experian,
I looked at my report and it’s not accurate. I want you to remove this [NAME OF ACCOUNT] account with a balance of approximately $[BALANCE], and account number [ACCOUNT NUMBER]. I do not recognize this account and do not owe any money on it. Please take it off of my credit report immediately.
I included a police report and a copy of driver’s license. If for some reason, you do not get both of the these, contact me and I will resend. Please send all of this to the furnisher of this incorrect account. Have a nice day.
[YOUR NAME]
Enclosures:
Police Report
Copy of driver’s license
Template Letter to Send with Police Report
DISPUTE LETTER TO BAD ACCOUNT BUSINESS
[DATE]
[BUSINESS NAME]
[BUSINESS STREET ADDRESS]
[BUSINESS CITY, STATE & ZIP]
[YOUR NAME]
[YOUR ADDRESS]
[DATE OF BIRTH]
[LAST 4 OF SOCIAL]
To whom it may concern,
I looked at my report and its wrong. I want you to remove this account with a balance of approximately $[BALANCE], account number [ACCOUNT NUMBER]. I do not recognize this account and don’t any money. Please take it off of my credit report.
I included a police report and a copy of driver’s license. If for some reason, you do not get both of the these, contact me and I will resend. Have a nice day.
[YOUR NAME]
Enclosures:
Police Report
Copy of driver’s license