Identity Theft Dispute Letter Generator
Fill it in, print it, mail it. Nothing you type is saved or sent.
If someone opened accounts or made charges in your name, federal law gives you faster tools than an ordinary dispute. Start with your FTC Identity Theft Report, then build a letter for each bureau or company. Nothing you type is saved or sent.
Ask a credit bureau to block, or a company to stop reporting, accounts someone opened in your name.
January 1, 2026 [Recipient name] [Recipient address] RE: Identity theft: request to block information To Whom It May Concern: I am a victim of identity theft. The information listed below does not relate to any transaction I made or authorized. My FTC Identity Theft Report number is [report number], and a copy is enclosed. 1. [Company name], account ending [last 4 digits]: an account I did not open. Under section 605B of the Fair Credit Reporting Act (15 U.S.C. § 1681c-2), please block this information from my credit report within four business days, and notify the companies that furnished it. Please confirm in writing when the block is in place. Sincerely, _____________________________ [Your full name] [Your mailing address] Enclosures: • Your FTC Identity Theft Report • A copy of a government-issued ID • Proof of your address • Your credit report with the fraudulent items marked
Start at IdentityTheft.gov. It gives you the FTC Identity Theft Report this letter refers to, plus a recovery plan.
Also think about a free credit freeze or fraud alert with each bureau.
Send a version to each bureau that shows the fraudulent items.
General information, not legal advice. ReliefGuardian isn't a law firm.
Two letters, two jobs
- To a credit bureau: asks it to block the fraudulent information. With your Identity Theft Report and proof of ID, the bureau generally has to block it within 4 business days.
- To the company: asks it to stop reporting the information, close the account, and send you copies of the application and records for the fraudulent account. Victims have a right to those records, and the company generally has 30 days to send them.
Start here
- Report it at IdentityTheft.gov to get your FTC Identity Theft Report and a recovery plan.
- Think about a free credit freeze or fraud alert with each bureau.
- Then send these letters.
What to do next
Errors that aren't fraud? Use the credit report dispute letter.
Related
Other letters: Debt validation letter · Credit dispute letter · Creditor dispute letter · Stop contacting me letter · Communication preference letter · Hardship letter · Debt settlement letter · Goodwill letter
Tools: Statute of limitations checker · ReliefGuardian Debt Plan · Free checklists and worksheets
Sources
- 15 U.S.C. § 1681c-2 (block)(opens in a new tab)
- 15 U.S.C. § 1681g(e) (business records)(opens in a new tab)
- 15 U.S.C. § 1681s-2(a)(6)(opens in a new tab)
Federal rules are cited directly. State law varies, so state-specific timelines and exemptions should be confirmed with your state's statutes or a local attorney.