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Identity Theft Credit Report Dispute

Request blocking/removal of fraudulent accounts or inquiries caused by identity theft.

Fair Credit Reporting Act (FCRA), Section 605B

Download branded PDF

When to use it

Use when an account, inquiry, or collection resulted from identity theft and you have an FTC Identity Theft Report or police report.

How to use it

  1. Create an IdentityTheft.gov report.
  2. Attach proof of identity and the identity theft report.
  3. List each fraudulent item clearly.
  4. Place a fraud alert or credit freeze if appropriate.

Template

[Your Full Name] [Your Mailing Address] [City, State ZIP] [Date] [Credit Bureau Name] [Credit Bureau Address] Re: Identity theft block request To Whom It May Concern: I am a victim of identity theft. The item(s) listed below were opened, used, or reported without my authorization. Under the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit file. Fraudulent item(s): 1. Furnisher / Creditor: [Name] Account number: [XXXX] Explanation: [Opened without authorization / fraudulent inquiry / fraudulent collection] Enclosed are my identity theft report and proof of identity. Please confirm the block in writing and send me an updated credit report. Sincerely, [Your Signature] [Your Printed Name] Enclosures: Identity theft report, proof of identity
iRunCredit provides free educational information and document templates. We are not a law firm, credit repair organization, lender, credit bureau, or financial advisor, and nothing here is legal, financial, or credit repair advice. You can dispute credit-report errors and contact creditors yourself for free under federal law. Always verify facts, keep copies, and consider a qualified professional for your specific situation.