Identity Theft Dispute Letter

If you are a victim of identity theft, dispute fraudulent accounts and inquiries. Consider filing an FTC Identity Theft report and a police report.

When to Use

  • Fraudulent accounts opened
  • Unauthorized inquiries
  • Mismatched personal info

Data to Include

  • Furnisher name
  • Account/Inquiry ID
  • FTC report number (if any)
  • Reason for dispute
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What This Letter Argues

  • The furnisher/bureau must maintain accurate records and re‑investigate under FCRA §611.
  • Inaccurate dates, balances, or ownership must be corrected or deleted if unverifiable.
  • Method of verification should be disclosed; provide documentation for clarity.

What Happens After You Send It

  1. Day 0–3: Printed and mailed with tracking (if mailed).
  2. Day 10–20: Bureau receives the dispute and notifies furnisher.
  3. Day ≤30: Re‑investigation typically completes; you receive a response.

Common Mistakes to Avoid

  • Omitting the account/reference number.
  • Sending multiple near‑duplicate disputes at once.
  • Using aggressive language instead of factual, concise statements.
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