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Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
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.
Asked by: Mr. Jillian Rau | Last update: February 9, 2022 Score: 4.1/5 (71 votes) Section 623 of the FRCA allows you to dispute any inaccurate information on your credit report directly with the original creditor, as long as you've already completed the process with the credit bureau.
Sample dispute letter to credit reporting agencies: [RE: Your Account Number (if known)] Dear Sir or Madam: I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received.
I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable).
Dispute Credit Fraud With Your Lenders Call any affected companies where fraud has occurred. Contact your credit card company and cancel all affected cards. Place a fraud alert with all three credit bureaus. Dispute incorrect information on your credit report. Close any other new accounts opened in your name.
I am a victim of identity theft, and did not make the charge(s). I am requesting that the item(s) be blocked to correct my credit report. Enclosed are copies of (describe any enclosed documents) supporting my position. Please investigate this (these) matter(s) and block the disputed item(s) as soon as possible.
New account fraud occurs when a fraudster or money mule has been successfully onboarded by a financial institution after applying using their own identity (first-party fraud), a stolen identity (third-party fraud) or a synthetic identity.