ID theft dispute with guy at a desk looking at a book

This is a continuation of our report on how to get identity theft off your credit report.

TEMPLATE TO DISPUTE IDENTITY TO ALL THE CREDIT AGENCIES AND CREDITOR BELOW

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.

Joseph P. McClelland, LLC StockSnap QHD9O1XCDV

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


About the author 

Joseph McClelland

Consumer Attorney that fights big businesses on your behalf. Started his career in international human rights before eventually finding his true calling in consumer protection law. He is a husband and trial lawyer. Most of his work involves credit reporting errors, robocalls, and identity theft. His law practice is in the Atlanta/Decatur area.

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