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.
[Your city, state, zip code]
[Name of company]
Attention: Fraud Department or Billing Inquiries
[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.