15 Identity Theft Dispute Letter Samples to Credit Bureaus

Sample 1: Disputing a New Credit Card Account You Did Not Open

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Dispute of Fraudulent Credit Card Account – Identity Theft

Dear Equifax Dispute Department,

I recently obtained a copy of my credit report and discovered a credit card account with [Bank Name], account number ending in [1234], that I did not open or authorize. This is evidence that my personal information has been compromised and used fraudulently.

I am attaching a copy of my driver’s license, a completed FTC Identity Theft Report, a police report (case number: [XYZ123]), and recent proof of address. I request a prompt investigation and removal of this account from my credit report as it is negatively affecting my credit standing. Please also notify the creditor to close this account and block any future attempts at unauthorized use.

I ask for written confirmation of your actions and an updated credit report reflecting these corrections.

Thank you for your attention to this urgent matter.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 2: Disputing Multiple Accounts and Requesting Fraud Alerts

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Experian
P.O. Box 4500
Allen, TX 75013

Subject: Multiple Fraudulent Accounts – Request for Investigation and Fraud Alert

Dear Experian,

Upon reviewing my credit file, I found several unauthorized accounts, including loans from [Bank A], [Store Card B], and [Telecom Provider C]. I did not open any of these accounts and suspect my identity was stolen.

To support my claim, I am enclosing a police report (case number: [ABC456]), an FTC Identity Theft Affidavit, and a copy of my government-issued ID. I request immediate removal of these accounts, placement of a fraud alert on my credit file, and a block on future credit inquiries unless I provide written authorization.

Please provide a list of all recent inquiries to help me identify any further suspicious activity.

Thank you for acting quickly on my behalf.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 3: Disputing a Fraudulent Personal Loan and Address Change

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

TransUnion
P.O. Box 2000
Chester, PA 19016

Subject: Fraudulent Loan and Address Change on Credit Report

Dear TransUnion,

I am contacting you to dispute a personal loan listed under [Lender Name], account number [5678], and an unauthorized address in [Different City/State] on my credit report. I have never lived at this address or applied for this loan.

I am enclosing my current utility bill, my passport, a notarized affidavit of identity theft, and a police report for your records. I request you to investigate, delete the fraudulent loan, correct my address, and alert any lenders affected by this fraud.

Kindly send me a letter confirming the completion of your investigation and an updated copy of my credit report.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 4: Disputing Medical Debt Resulting from Identity Theft

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Experian
P.O. Box 4500
Allen, TX 75013

Subject: Dispute of Fraudulent Medical Debt Due to Identity Theft

Dear Experian Dispute Team,

I was shocked to see a medical collection from [Hospital/Provider], account number [9988], on my credit report. I never received care from this provider, and believe someone used my identity to incur this debt.

I have attached a copy of my insurance card, a letter from the provider acknowledging the fraud, an FTC Identity Theft Report, and my recent utility bill. Please remove this medical debt and prevent any further updates related to this fraudulent activity.

Kindly notify me of the results of your investigation in writing.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 5: Disputing a Fraudulent Utility Account and Requesting a Freeze

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Fraudulent Utility Account Dispute and Credit Freeze Request

Dear Equifax Fraud Department,

I noticed a collection account for [Utility Company] in [City], account number [3344], which I did not open. My identity was stolen and used to set up this utility service.

I have enclosed a copy of my lease agreement proving I do not reside at the service address, a police report, and the FTC Identity Theft Affidavit. In addition to removing this account, please place a security freeze on my credit file to prevent further fraudulent activity.

Please send confirmation when these actions are completed.

Thank you for your protection and assistance.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 6: Disputing Unauthorized Hard Inquiries After Identity Theft

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

TransUnion
P.O. Box 2000
Chester, PA 19016

Subject: Dispute of Unauthorized Credit Inquiries Due to Identity Theft

Dear TransUnion,

Upon reviewing my recent credit report, I identified several hard inquiries from lenders and credit card companies, including [Lender 1] and [Lender 2], which I did not authorize. My identity was recently stolen and used in an attempt to secure new credit.

I am enclosing my police report and the completed Identity Theft Affidavit. Please investigate and remove these unauthorized inquiries, and block any further attempts without my direct consent.

I request written confirmation and a revised credit report showing these removals.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 7: Disputing a Fraudulent Car Loan and Associated Charges

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Experian
P.O. Box 4500
Allen, TX 75013

Subject: Dispute of Fraudulent Car Loan Due to Identity Theft

Dear Experian,

I am disputing the inclusion of a car loan from [Auto Finance Company], account number [8765], on my credit report. I have never applied for a car loan or purchased a vehicle through this lender.

Attached are copies of my driver’s license, police report, a letter from the dealership acknowledging the fraud, and my utility bill. Please remove this car loan and any related negative marks, and block similar activity from being added in the future.

Kindly update me in writing when this issue has been resolved.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 8: Disputing Student Loan Fraud After Data Breach

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Identity Theft Dispute – Student Loan Fraud

Dear Equifax,

I recently became aware of a student loan listed with [Loan Servicer], account number [4321], on my credit report. I did not apply for this loan and suspect my information was compromised in a recent data breach.

I am providing my passport, a police report, an FTC affidavit, and correspondence from [Loan Servicer] confirming the application was fraudulent. Please delete this loan from my report and monitor for any similar unauthorized loans.

Please confirm your investigation in writing and provide me an updated report.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 9: Disputing Multiple Collection Accounts and Requesting an Extended Fraud Alert

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

TransUnion
P.O. Box 2000
Chester, PA 19016

Subject: Dispute of Multiple Fraudulent Collection Accounts and Request for Extended Fraud Alert

Dear TransUnion Fraud Department,

I found several collection accounts on my credit file from [Collection Agency A], [Collection Agency B], and [Collection Agency C] that I did not authorize. My identity has been compromised and used by unknown individuals.

To support my claim, I am submitting a police report, the FTC Identity Theft Affidavit, and a copy of my social security card. Please investigate these accounts, remove them from my file, and place an extended fraud alert on my credit for maximum protection.

Please provide confirmation and an updated credit report after your investigation.

Thank you for your cooperation.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 10: Disputing a Fraudulent Mortgage Application

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Experian
P.O. Box 4500
Allen, TX 75013

Subject: Dispute of Fraudulent Mortgage Application – Identity Theft

Dear Experian,

My credit file shows a mortgage application with [Lender Name] under application number [5555] that I did not submit. I have not applied for any mortgage loans.

I am enclosing a copy of my state ID, the police report, and a letter from [Lender Name] confirming the mortgage application was fraudulent. Please remove all references to this mortgage application and protect my report from future similar incidents.

I would appreciate written confirmation and a copy of my revised credit report.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 11: Disputing Unauthorized Change of Personal Information

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Dispute of Unauthorized Change of Personal Information

Dear Equifax,

I have noticed an unauthorized change of my date of birth and employment information on my credit report. I believe these changes were made by someone using my stolen identity.

I am including a copy of my birth certificate, recent pay stub, driver’s license, and the police report documenting my identity theft. Please revert my personal information to the correct details and alert me if there are any further changes requested on my account.

Please confirm these corrections in writing.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 12: Disputing Fraudulent Retail Store Account

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

TransUnion
P.O. Box 2000
Chester, PA 19016

Subject: Fraudulent Retail Store Account Dispute

Dear TransUnion,

My credit report includes an account from [Retail Store Name] with account number [A12345], which I did not open. This is likely the result of a recent identity theft incident.

I am attaching a police report, a store letter acknowledging the fraudulent account, and my identity verification documents. Please delete this account from my credit file and block any additional accounts from this retailer.

Let me know when my report has been updated.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 13: Disputing Fraudulent Cell Phone Account

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Identity Theft Dispute – Unauthorized Cell Phone Account

Dear Equifax Dispute Team,

I recently found a cell phone account from [Wireless Carrier], account number [B78901], on my credit report that I never opened. I was informed by the carrier that this was opened using my stolen personal information.

Enclosed are my police report, FTC Identity Theft Affidavit, and correspondence from [Wireless Carrier]. Please remove this account and alert me if similar attempts are made in the future.

Thank you for your prompt attention and written confirmation of resolution.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 14: Disputing Fraudulent Credit Card Charges and Requesting a Statement Block

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

Experian
P.O. Box 4500
Allen, TX 75013

Subject: Dispute of Fraudulent Credit Card Charges – Request to Block Statements

Dear Experian,

I have discovered fraudulent charges totaling $5,000 on a credit card from [Card Issuer], account ending in [4321]. I have never held an account with this issuer.

I have included the police report, the FTC Identity Theft Report, and a letter from [Card Issuer] confirming these charges were unauthorized. Please remove this account, block similar charges from appearing, and provide an updated credit report.

Sincerely,
[Your Signature]
[Your Printed Name]

Sample 15: Disputing Social Security Number Fraud and Requesting a Permanent Credit Freeze

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

TransUnion
P.O. Box 2000
Chester, PA 19016

Subject: Dispute of Fraudulent Accounts from SSN Theft – Request for Permanent Freeze

Dear TransUnion,

My social security number has been stolen and used to open fraudulent accounts in my name, including [Bank Name], [Retailer], and [Loan Servicer]. I did not authorize any of these.

Enclosed are a copy of my social security card, police report, a notarized identity theft affidavit, and letters from each creditor confirming fraud. I request the immediate removal of all fraudulent accounts, and I would also like to request a permanent credit freeze on my file to prevent future occurrences.

Please confirm these actions in writing and send an updated credit report.

Thank you for your diligent help.

Sincerely,
[Your Signature]
[Your Printed Name]