Sample Letter Disputing Credit Report 

(Send Registered Mail, Return Receipt Requested)


Consumer Name
City, State, Zip Code

Attention:  Complaint Department

Equifax, P. O. Box 740241, Atlanta, GA 30374-0241
Experian, P. O. Box 9532, Allen, TX 75013
Trans Union, P. O. Box 6790, Fullerton, CA 92834

Dear Sir or Madam:

I am the victim of identity theft.  I am writing to request that you put a Fraud Alert on my account and that you block the following fraudulent information in my file.  I did not make or authorize these transactions:

(For each disputed item include date of transaction, name of creditor, source of information, type of item,    and amount, e.g., 10/3, Visa, $300, Best Buy, DeKalb.)

I am enclosing a copy of my credit report and have circled the items that are fraudulent. 

Enclosed is a copy of the police report regarding my identity theft as well as proof of my identity.  Please let me know if you need any other information from me to block this information from my credit report.


Consumer’s Name

Enclosure:         (List what you have enclosed.)

  • Identity Theft Affidavit
  • Police Report
  • Proof of your identity, such as
    •    photo copy of government issued
    •    ID card