‘SAMPLE LETTER TO CREDIT REPORTING COMPANIES Sender's Name: Sender's Ades: Sender's CiyStaterZip Date: Equi ‘Experian ‘Transunion JFRAUD DEPARTMENT FRAUD DEPARTMENT FRAUD DEPARMENT P.0. Box 74028 7.0. Box 9532 P.O. Box 6790 Alans, GA 30374 Allen, TX 75013 Fullenon, CA 92834 Certtied mil no. Certified mail no (Centied mail no Re: Dispute or File No, This leer wl confiem that 1am a victim of idem thet. Ifyou have not already done so, plese place an extended seven year faud alton my credit report and remove the ist Hive igs of my Soin Security Number from my credit report. In reviewing my eredit repr, | hve found te following faudolent inuities/ceounts which are related to uatsactons that ere not inated by me 1 am disputing these entries o my cet repr unde the Fair Credit Reporting Act a¢ amended by the Fair and Accurate Credit Transactions Act because the wansectons represented by the eaves wer ot inated by me but by sn imposter. Please block the dispted entice from my credit eport because they ae atributble to identity the. Ifyou do not remove the disputed entries, plete provide proof of your renvestigation end the reason for non-removal Pleas ad te fllowing statement 1 my credit repor: FRAUD VICTIM! DO NOT EXTEND (CREDIT WITIIOUT CONTACTING ME PERSONALLY. MY DAYTIME PHONE. [NUMBER IS 1am enclosing copy of my police or sherif's eport, 1D theft afidavt, and ID for your convenience. Please do not hesitate o contact me you hie question regarding thie mater, Sincerely, Signature Prot name‘SAMPLE LETTER TO BUSINESSES Sender's Name: Sender's Address Sender's City State Zip Date Busiress Name: ATTN: Collections or Fraud Department Busiress Address Busiress City State/Zip: Cert'iedmail no, Re: Account or File No This eter will confirm that Iam a victim of identity theft. 1 have madea reportto law enforcement and have requestedthat an extended seven year fraud alert be placed on my ret report. In reviewing my credit report, Ihave found the following fraudulent inquires, accounts, of debts at your business which ae transactions that were not initiated by me: Lam disputing these inquiries, accounts, debs, and entiesto my creditreport under the Fair Credit Reporting Actas amended by the Fairand Accurate Credit Transactions Act because these transactions were not initiated by me. Please close the referenced accounts and take whatever steps are necessary to remove the disputed entries from my credit report because ‘hey ar atrbutablete identity theft. Please note that the Fair Credit Reporting Act places @ duty on you to transmit accurate informationto credit reporting agencies including informing credit reporting agencies tat Ihave disputed he above-referenced debts or accounts. Lam. disputing both the accuracy of the alloged debt and the specificinformation about the debt furnished by you to credit reporting agencies. Asa victim of identity theft am entitledto a copy ofall documentation regarding the accounts or debs referencedabove, Please prove the following to me atthe above adéress Applicationrecords Screen prints of internet or telephone applications ‘Account statements Payment/charge slips Summary of investigation or investigator's report Delivery address(es) ‘Telephone numbers and identifying information used to open or access the account ‘Any other documents associated with the account,Page 2 0f2 1 will be furnishing these documents to law enforcement agencies in order to assis with ther investigation and the prosecution of my case Please note thatthe federal Fair Debt Collection Practice Act provente you from placing disputed debt or account witha collection agency ~ especially when You have been notified hata debt or account was fraudulently obtained by identity the, Tam enclosing copy of my policeor sherifsreport for your convenience. Please do ot hesitateto contact me in writing if you have questionstegarding this mater. Sincerely, Signature and printed nameSAMPLE LETTER TO BILL COLLECTORS Sender's Name: Sender's Address: Sender's City State Zp: Dae: Collection Agency Name: Adiess: ciyistateZip: Cenified mail no CEASE AND DESIST LETTER NOTICE OF DISPUTED DEBT ~ IDENTITY THEFT REQUEST FOR INFORMATION JRe: Account or FileNo. This leter will confirm that I ama victim of identity the. 1 have made a report to law enforcement and have requestedthat an extended seven year fraud alert be placed on my credit report, You have contacted me regarding the above-referenced alleged debs. This Ieticr will serve as notice to you that the underlying transaction was not initiated by me but by an imposter, that Iam disputing the above-referenced debt, and that I am a victim of identity thet. Unter the Fair Credit Reporting Act and the Federal Fair Debt Collections Pacties Act, you nave & duty to repor this dispute to the creditor, your client. You ae prevested from making report ofthis disputed debt to creditreporting agencies. Ifyou have not already done so, please close the referenced accounts, Ifyou have furnished information to credit reporting agencies, please take whatever steps are necessary to remove the disputed entries from my credit report because they are attributable o identity theft. Please note that tie Fair Credit Reporting Act places a duty on you to transmit accurteinformationto creditreporting agencies including informing credit reporting agencies that I have disputed tie above referenced debts or accounts. Tam digputing hath the accuracy af the alleged debt at the specificinformation about the debt furnished by you to credit repor'ing agencies. Asa vitim of identity thef, Lam enttledto copy of all documentation regurding the accounts or debts referenced above. Please provide the following to me tthe above address Applicationrecords Sereen prints of internet or telephone applications ‘Account statements Payment/chargeslips ‘Summary of investigation or investiga Delivery address(es) Teleohone numbers ad identifvine information used to oven of access the account sreportPage 2 of 2 | willbe furnishing these documents to law enforcement agencies inorder to assist with their investigation and the prosecution of my case. Ther job willbe easier if your records ae produced in 1 form that can be used in court. Tam enclosings standard business record affidavit, and T respectfully request that you execute itor a similar business records affidavit to accompany the records that you send tome ‘Other than providing account documentation, I request that you cease communications to me about the alleged debt referenced above. The Fair Debt Collection Practices Act requiesthat you honor this request Lam enclosing copy of my police or sheriff's report, ID theft affidavit, nd photo ID for your convenience. Thank you in advance for your help in resolving this mater Sincerely, | Signature and printed name