Ask Credit Reporting Companies to Remove Fraudulent Errors on Your Credit Report
This sample letter will help you ask credit reporting companies to remove fraudulent errors on your credit report. 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]
[Credit Reporting Company Name and Address]
(Write a separate letter to each of the 3 companies.
See contact info below.)
Dear Sir or Madam:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Please remove or correct this information at the earliest possible time.I dispute the [name of source, like “Company” or “Court”] [name of item, like “account” or “judgment”] because [explain why the item is inaccurate]. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that the item[s] be removed [or request another specific change] to correct the information.
[If possible: I have enclosed copies of documents that support my dispute.]
Please investigate and correct the disputed item[s] as soon as possible.
- Identity Theft Report
- 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.]
- FCRA Section 611 [PDF]