Appendix 1: Form Letters
Dealing with identity theft? Here are some form letters you can use to contact the right people! A phone call or e-mail is great, but make sure that they have your information in writing as well – send it be certified mail so there are no disputes in the future.
Disputing Items on your Credit Report
Date
Your Name
Your Address
City, State, Zip Code
RE: Inaccuracies on Credit Report
Credit Reporting Bureau Name
Bureau Address
City, State, Zip Code
Dear Sir or Madam:
Please be informed that I believe there to be inaccuracies on my credit report. The following items, which are circled on my report (see attached), are incorrect to the best of my knowledge:
1. Identify first item by name. This item is inaccurate because list reasons here. I am requesting that this item be corrected to reflect the accurate information. Enclosed are copies of name documents to verify that the information should be changed.
2. Identify second item by name…
3. Identify third item by name…
Please fully investigate these matters and correct the disputed items according to the Fair Credit Reporting Act. Inform me via writing of this outcome, please, and if you have any questions, you can contact me at phone number. Thank you for your timely response in this matter.
Sincerely,
Signature
Printed Name
Disputing a Collection Agency Claim
Date
Your Name
Your Address
City, State, Zip Code
RE: Notice to Cease Case due to Identity Theft
Collection Agency Name
Agency Address
City, State, Zip Code
Dear contact person name or Sit/Madam:
I was contacted by name via phone call or e-mail, who informed me that you agency is attempting to collect amount on behalf of lender. Note case number if you have one.
I am a victim of identity theft, and the debt in question is currently being investigated, as it was incurred without my knowledge or consent. Enclosed is a record of this investigation.
This is a notice to cease contact regarding this debt except with information or questions necessary to clear my name. In accordance with federal and state laws, you may only contact me once more to verify that you have received this letter.
Also in accordance to federal law, under the Fair Debt Collection Practices Act, I am requesting that you forward copies of any documents you agency possesses as proof of debt. These documents may be mailed to the address above. Please let me know if you need additional information from me to close this matter.
Thank you for your timely and considerate response by date two weeks from mailing date.
Sincerely,
Signature
Printed Name
Disputing Account Charges
Date
Your Name
Your Address
City, State, Zip Code
RE: Inaccuracies on Account
Creditor Name
Creditor Address
City, State, Zip Code
Dear Sir or Madam:
As per my discussion with name via telephone on date, I am disputing a fraudulent charge on my account in the amount of amount. I believe that I am the victim of identity theft, and am seeking your help in investigating this matter.
I ask that this charge be removed and that my account be placed on hold until this matter is resolved. In accordance to federal law, I also ask that you notify all three credit bureaus to correct the information on my credit reports.
I have already reported my identity theft situation to the local policy, the credit reporting bureaus, and list any other please here. Enclosed is verification of the ongoing investigation. Thank you for also looking into these matters in a timely fashion.
Sincerely,
Signature
Printed Name