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Template

Dispute and block letter for an identity theft account

Use this when an account on your report was opened by someone else using your information.

When to use this template

  • An account, inquiry, or address you didn't create appears on your report.
  • You've received bills or notices for accounts you never opened.

Sample letter

Replace everything in [brackets], and send one letter to each bureau that shows the error.

[Your full name]
[Your street address]
[City, State ZIP]
[Date]

[Credit bureau name]
[Bureau dispute address]

Re: Dispute of inaccurate information on my credit report

To whom it may concern:

I am writing under the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute inaccurate information on my credit report.

Item in dispute: [Creditor name] — account ending [xxxx], opened without my authorization

Why it is inaccurate: I am a victim of identity theft and did not open or authorize this account. I am requesting that it be blocked from my credit file under Section 605B of the Fair Credit Reporting Act.

What I am asking: Please block this information from my file and notify the furnisher.

Please send me the results of your investigation in writing, along with an updated copy of my credit report.

Sincerely,
[Signature]
[Your printed name]

Enclosures:
- FTC Identity Theft Report from IdentityTheft.gov (and a police report if you have one)
- A copy of a government-issued photo ID
- Proof of address

Skip the typing

Rapid Rescore writes this letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you print and mail it free — or mail it for you first-class or certified with tracking.

Create my letters free

What to enclose

  • FTC Identity Theft Report from IdentityTheft.gov (and a police report if you have one)
  • A copy of a government-issued photo ID
  • Proof of address

Send copies, never originals.

Tips

  • Report at IdentityTheft.gov first; the report is central to a block request.
  • Consider placing a fraud alert or security freeze with each bureau.
  • Equifax uses a separate address for fraud-related disputes.
  • Send it by a method that proves delivery. See certified mail vs first-class and where to send it.

More templates

General educational information and a generic template, not legal advice. A dispute can't remove accurate information, and Rapid Rescore does not guarantee any result. Last reviewed: October 2026.

FAQs

Common questions

Can't find what you're looking for? Talk to us directly.

A request under the FCRA that the bureau block information resulting from identity theft, supported by an identity theft report.

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