Subject: Important Notice: Rhode Island Identity Theft — Notification of Unauthorized New Accounts [Your Full Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Dear [Credit Bureau Name]/To Whom It May Concern, RE: NOTICE OF IDENTITY THEFT AND UNAUTHORIZED ACCOUNTS I am writing to inform you about a serious matter involving identity theft that has recently affected my personal information. Please be advised that I am a resident of Rhode Island and believe I am a victim of identity theft concerning the creation of fraudulent accounts in my name. I kindly ask for your immediate attention and cooperation in rectifying this unauthorized activity. As stated in the Rhode Island Identity Theft Protection Act of 2015, I am entitled to your assistance in resolving this matter and preventing further harm. Please provide the necessary documentation and guidance to assist me in disputing these unauthorized accounts promptly. In light of the aforementioned, I have discovered the following unauthorized new accounts that have been established under my name without my consent: 1. Account Type: [Credit Card/Bank Account/Loan] Creditor Name: [Name of Creditor] Account Number: [Account Number, if available] Date Opened: [Date of Account Opening] Description of Concern: [Provide any additional relevant details] 2. [Repeat the format above for any additional unauthorized accounts] I hereby declare that I have not authorized the creation or access of the aforementioned accounts, nor have I participated in any transactions related to these accounts. As a victim of identity theft, it is my responsibility to take immediate action to safeguard my credit profile, and I anticipate your full support and cooperation throughout this process. To assist in your investigation and resolution, I have enclosed copies of the following documents: 1. Identity Theft Affidavit: [Attach a completed and signed copy of the identity theft affidavit] 2. Proof of Identity: [Attach clear copies of valid identification documents] 3. Police Report: [Include a copy of the filed police report] 4. Other Supporting Documentation: [Include any other relevant documents, such as correspondence with other creditors or financial institutions] I understand the gravity of this situation and trust that you will handle this matter with the utmost urgency and diligence. I kindly request that you: 1. Place an immediate alert on my credit report, as mandated by the Rhode Island Identity Theft Protection Act. 2. Conduct a thorough investigation into the authorized accounts mentioned above. 3. Provide a written response confirming the closure of these unauthorized accounts and the removal of any associated negative information from my credit report. 4. Provide me with a free copy of my credit report, once all unauthorized accounts have been closed and resolved. Please ensure all communications and any correspondence regarding this matter are sent to the address listed above or through my provided email address. I request timely updates on the progress made in investigating and resolving this incident. Your cooperation and prompt attention to this matter are greatly appreciated. I trust that your organization will work diligently to correct this injustice and restore my credit reputation. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. Thank you for your immediate action in addressing this identity theft issue. I look forward to your prompt response and resolution of this matter within the timeframe required by law. Sincerely, [Your Full Name]
Rhode Island Letter to Creditors Notifying Them of Identity Theft for New Accounts
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How to fill out Rhode Island Letter To Creditors Notifying Them Of Identity Theft For New Accounts?
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FAQ
Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Check your bank, investment, and credit card accounts for unfamiliar transactions. Flag anything and follow up with either the vendor or your bank or credit card company. Don't ignore small transactions. Identity thieves may make small purchases to test if a card or account number works before moving on to larger ones.
You may be a victim of identity theft if: bills do not arrive. statements show transactions you did not make. creditors ask you about an account or card you have not applied for.
Consumers can report identity theft at IdentityTheft.gov, the federal government's one-stop resource to help people report and recover from identity theft. The site provides step-by-step advice and helpful resources like easy-to-print checklists and sample letters.
To report identity theft, contact: The Federal Trade Commission (FTC) online at IdentityTheft.gov or call 1-877-438-4338. The three major credit reporting agencies. Ask them to place fraud alerts and a credit freeze on your accounts.
Warning signs of identity theft Debt collection calls for accounts you did not open. Information on your credit report for accounts you did not open. Denials of loan applications. Mail stops coming to, or is missing from, your mailbox.
Look out for notifications that a tax return has been filed under your name. Additionally, if you receive a W-2, 1099, or any other tax form from a company you've never worked for, it might mean that someone obtained your Social Security number and is using it for employment purposes.
Your liability for fraudulent purchases made with your credit card is up to $50, if you tell the credit card company about the fraudulent charges within 60 days of when the company sends you the statement showing the fraudulent charges.
