Identity Theft Dispute Letter
Dispute fraudulent accounts and request blocking of identity theft information under FCRA ss 605B. Includes credit bureau addresses, fraud alert guidance, and state-specific identity theft protections.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
New here? Read the full guide on identity theft rights first.
One-time price:$19Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your Situation
Tell us about the identity theft so we can tailor your dispute letter.
This determines which state identity theft protections apply in addition to the federal FCRA.
Select the type that best describes your situation. If multiple types apply, generate a separate letter for each fraudulent account.
The date you first learned of the fraudulent activity. This establishes the timeline for your dispute.
Select all recipients. We recommend sending to all three credit bureaus. If the fraud involved a specific company, include them as well.