Sample Letter to Ask a Business to Block Information on Your Existing Account

This sample letter will help you ask a business to block information on your existing account.That means must stop reporting the fraudulent information to the credit reporting companies. The text in brackets indicates where you must customize the letter.

Remember to include copies of the applicable enclosures and save copies for your files.

This document resides in the public domain and was original sourced from https://www.consumer.ftc.gov/articles/0285-ask-...
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[Date]

[Your name]
[Your address
]
[Your city, state, zip code]

[Name of company]
Attention: Fraud Department or Billing Inquiries
[Company address]
[City, state, zip code]

RE: [Your account number]

Dear Sir or Madam:

I am writing to dispute [a] fraudulent charge[s] on my account.The charge[s] [was/were] made on [date] and the amount is [$_____.] I am a victim of identity theft, and I did not make or authorize [this/these] charge[s]. Please remove the fraudulent charge[s] and any finance charge or other charges related to the fraudulent charge[s]. Please send me a corrected statement. [If you want to close the account, tell the business to close the account and send you a final bill.] Please stop reporting information about the fraudulent charge[s] to all credit reporting companies.

I have enclosed proof of my identity, a copy of my Identity Theft Report, and a copy of my credit report that shows the fraudulent items related to my account with your company. I have also enclosed a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission. The notice explains your responsibilities under the Fair Credit Reporting Act. The Notice also explains that when a credit reporting company notifies you that information you sent it may be a result of identity theft, you must stop sending that information to any credit reporting company, and be sure you don’t try to sell or transfer the fraudulent debts to another party for collection.

Please investigate the fraudulent charge[s] and send me a letter explaining your action.

Sincerely,
[Your Name]

Enclosures

  • Proof of identity
  • Copy of credit report marked to show items to be corrected
    [Before you send your credit report, black out the information that is not related to this company.]

This sample letter will help you ask a business to block information on a new account. That means they must stop reporting the fraudulent information to the credit reporting companies. The text in brackets indicates where you must customize the letter.

Remember to include copies of the applicable enclosures and save copies for your files.

[Date]
[Your name]
[Your address]
[Your city, state, zip code]

[Name of company]
Attention: Fraud Department or Billing Inquiries
[Company address]
[City, state, zip code]

Re: [Your account number]

Dear Sir or Madam:

I am a victim of identity theft. An identity thief used my personal information to open an account with your company. I did not open or authorize this account. Please close this account immediately, absolve me of all charges on the account, and take the appropriate steps to remove information about the fraudulent account from my credit files.

I have enclosed a copy of my Identity Theft Report and a copy of my credit report that shows the fraudulent account with your company. I have also enclosed a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission. The notice explains your responsibilities under the Fair Credit Reporting Act. It explains that when you get a consumer’s written request and Identity Theft Report, you must stop giving information that results from identity theft to any credit reporting company. The Notice also explains that when a credit reporting company notifies you that information you sent it may be a result of identity theft, you must stop sending that information to any credit reporting company, and be sure you don’t try to sell or transfer the fraudulent debts to another party for collection.

Please close the account, absolve me of all charges, do what the Fair Credit Reporting Act requires, and send me a letter explaining your action.

Sincerely,
[Your Name]

Enclosures

  • Copy of credit report [Before you send your credit report, black out the information that is not related to this company.]

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