Dispute Letter to a Company (for a new account)
This sample letter will help you dispute a fraudulent account that was opened in your name.
The text in [backets] indicates where you must customize the letter.
[Your City, State, Zip Code]
[Name of Company]
[Fraud Department (companies may specify an address to receive fraud dispute letters), or Billing Inquiries Department]
[City, State, Zip Code]
[RE: Your Account Number (if known)]
Dear Sir or Madam:
I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies (CRAs). I have enclosed a copy of my FTC Identity Theft Affidavit and my credit report showing the items that I dispute. [Consumers should redact information from both reports that is unrelated to the dispute with this company.] Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623(a)(1)(B) of the Fair Credit Reporting Act, 15 U.S.C. §1681s-2(a)(1)(B). I ask that you take these steps as soon as possible.
Enclosed are copies of [use this sentence if applicable and describe any additional enclosed documentation] supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate [this/these matter(s)], and delete the disputed item(s) as soon as possible.
Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.
Enclosures: [List only what you are enclosing]
- Identity Theft Affidavit [if you have one]
- Proof of identity: [a copy of my driver’s license/other government-issued identification card/other]
- Copy of Credit Report indicating information to be corrected
- FTC Notice to Furnishers of Information [PDF]