Dispute letter template
Identity Theft / Fraud Dispute Letter
A letter to dispute and request a block of fraudulent accounts placed on your credit report through identity theft.
Getting fraud off your report
If someone opened accounts in your name, the FCRA lets you dispute those items and request that the bureaus block information resulting from identity theft — typically alongside an FTC Identity Theft Report and/or a police report.
When to use it
- Accounts or inquiries you never authorized appear on your report
- You've filed (or are filing) an FTC Identity Theft Report at IdentityTheft.gov
- You need to notify bureaus and furnishers of the fraud
What you get
- An identity theft dispute/block letter template
- A checklist of documents to include (FTC report, ID, proof of address)
- Instructions for sending to all three bureaus
This template is an educational tool, not legal advice, and does not guarantee any specific outcome. We are not a credit repair organization and do not act on your behalf. You have the right to dispute inaccurate information on your credit reports for free by contacting the credit bureaus directly. Accurate, timely, and verifiable information generally cannot be removed from a credit report. Results vary. Consumer credit is governed by the FCRA, FDCPA, and CROA.
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