Ask a Business to Remove Fraudulent Charges From Your Existing Accounts
This sample letter will help you dispute fraudulent charges on your existing accounts. 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]
[Fraud Department of Billing Inquiries]
[City, State, Zip Code]
[RE: Your Account Number (if known)]
Dear Sir or Madam:
I am writing to dispute [a] fraudulent charge[s] on my account in the amount[s] of $______, and posted on [dates]. I am a victim of identity theft, and I did not make [this/these] charge[s]. I request that you remove the fraudulent charge[s] and any related finance charges from my account, send me an updated and accurate statement, and close the account (if applicable). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies (CRCs) to which you provided it.
Enclosed is a copy of my Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs.
Please investigate this matter and send me a written explanation of your findings and actions.
- Identity Theft Report
- Proof of Identity
- Copy of account statement showing fraudulent items
- FTC Notice to Furnishers of Information [PDF]
- Credit report of [Your Name] identifying information to be corrected
[Before you send your credit report, black out the information that is not related to this company.]