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After reporting identity theft, victims are given the opportunity to request that the fraudulent information be blocked from appearing on their credit report. The request must be in writing and you will be expected to enclose a copy of any identity theft reporting documents you have, like the ID Theft Affidavit available through the Federal Trade Commission (FTC) and/or your police report. Your letter should identify the fraudulent information, and clearly state that the information does not relate to any transaction that you made or authorized. Below is a sample of a blocking letter that would be sent to a consumer reporting company:
Your City, State, Zip Code
Attn: Complaint Department
Name of Consumer Reporting Company
City, State, Zip Code
RE: Request for fraudulent information to be blocked on credit report
Dear Sir or Madam:
I am a victim of identity theft. This letter is to serve as my request for you to block the following fraudulent information in my file. This information does not relate to any transaction I have made or authorized.
Source Name (creditor, bank, etc.):
Type of Account (credit card, loan, etc.):
(Repeat this information for each fraudulent claim)
The above items are also circled on the attached copy of the report I received.
I have also enclosed a copy of my identity theft police report. Please contact me if you need additional information in order to block this information on my credit report.
Enclosures: (List what you are enclosing.)
|Jennifer Mathes, Ph.D.|