Identity Theft Dispute Letter

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.

dispute template for identity theft

DISPUTE LETTER TO EXPERIAN


[DATE]

Experian

Post Office Box 9701

Allen, Texas 75013

[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 EQUIFAX

[DATE]

Equifax Information Services LLC.

P.O. Box 740256.

Atlanta, GA 30374



[YOUR NAME]

[YOUR ADDRESS]

[DATE OF BIRTH]

[LAST 4 OF SOCIAL]

Dear Equifax,

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.

[NAME]

Enclosures:

Police Report

Copy of driver’s license


DISPUTE LETTER TO TRANS UNION


[DATE]

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19016-2000

[YOUR NAME]

[YOUR ADDRESS]

[DATE OF BIRTH]

[LAST 4 OF SOCIAL]

Dear TransUnion,

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


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