SAMPLE DISPUTE LETTERCFOR EXISTING ACCOUNTS

\[Date\]

\[Your Name\]

\[Your Address\]

\[Your City, State, Zip Code\]

\[Your Account Number\]

\[Name of Creditor\]

Billing Inquiries

\[Address\]

\[City, State, Zip Code\]

Dear Sir or Madam:

I am writing to dispute a fraudulent \[charge/debit\] on my account in
the amount of \$\_\_\_. I am a victim of identity theft, and I did not
make this \[charge/debit\]. I am requesting that the \[charge be
removed/the debit reinstated\], that any finance and other charges
related to the fraudulent amount be credited, as well, and that I
receive an accurate statement.

Enclosed is a copy of my Identity Theft Report supporting my position.
In addition, I am enclosing a copy of sections 605B, 615(f) and
623(a)(6) of the Fair Credit Reporting Act (FCRA), which detail your
responsibilities as an information furnisher to consumer reporting
agencies in response to the Identity Theft Report I am providing. These
enclosures also detail your responsibilities that apply in the event you
receive from a consumer reporting agency notice under section 605B of
the FCRA that information you provided to is the result of identity
theft.

Please investigate this matter and correct the fraudulent
\[charge/debit\] as soon as possible.

Sincerely,

\[Your Name\]

Enclosures:

Identity Theft Report

FCRA Sections 605B, 615(f), 623(a)(6)

**ENCLOSURE:**

**FCRA 605B (15 U.S.C. § 1681c-2) Block of Information Resulting from
Identity Theft**

\(a\) Block

Except as otherwise provided in this section, a consumer reporting
agency shall block the reporting of any information in the file of a
consumer that the consumer identifies as information that resulted from
an alleged identity theft, not later than 4 business days after the date
of receipt by such agency of\--

> **(1)** appropriate proof of the identity of the consumer;
>
> **(2)** a copy of an identity theft report;
>
> **(3)** the identification of such information by the consumer; and
>
> **(4)** a statement by the consumer that the information is not
> information relating to any transaction by the consumer.

\(b\) Notification

A consumer reporting agency shall promptly notify the furnisher of
information identified by the consumer under subsection (a) of this
section\--

> **(1)** that the information may be a result of identity theft;
>
> **(2)** that an identity theft report has been filed;
>
> **(3)** that a block has been requested under this section; and
>
> **(4)** of the effective dates of the block.

\(c\) Authority to decline or rescind

> \(1\) In general
>
> A consumer reporting agency may decline to block, or may rescind any
> block, of information relating to a consumer under this section, if
> the consumer reporting agency reasonably determines that\--
>
> **(A)** the information was blocked in error or a block was requested
> by the consumer in error;
>
> **(B)** the information was blocked, or a block was requested by the
> consumer, on the basis of a material misrepresentation of fact by the
> consumer relevant to the request to block; or
>
> **(C)** the consumer obtained possession of goods, services, or money
> as a result of the blocked transaction or transactions.
>
> \(2\) Notification to consumer
>
> If a block of information is declined or rescinded under this
> subsection, the affected consumer shall be notified promptly, in the
> same manner as consumers are notified of the reinsertion of
> information under [[section
> 1681i(a)(5)(B)]{.underline}](http://www.westlaw.com/Find/Default.wl?rs=dfa1.0&vr=2.0&DB=1000546&DocName=15USCAS1681I&FindType=L&ReferencePositionType=T&ReferencePosition=SP_d4ac000005170)
> of this title.
>
> \(3\) Significance of block
>
> For purposes of this subsection, if a consumer reporting agency
> rescinds a block, the presence of information in the file of a
> consumer prior to the blocking of such information is not evidence of
> whether the consumer knew or should have known that the consumer
> obtained possession of any goods, services, or money as a result of
> the block.

\(d\) Exception for resellers

> \(1\) No reseller file
>
> This section shall not apply to a consumer reporting agency, if the
> consumer reporting agency\--
>
> **(A)** is a reseller;
>
> **(B)** is not, at the time of the request of the consumer under
> subsection (a) of this section, otherwise furnishing or reselling a
> consumer report concerning the information identified by the consumer;
> and
>
> **(C)** informs the consumer, by any means, that the consumer may
> report the identity theft to the Commission to obtain consumer
> information regarding identity theft.
>
> \(2\) Reseller with file
>
> The sole obligation of the consumer reporting agency under this
> section, with regard to any request of a consumer under this section,
> shall be to block the consumer report maintained by the consumer
> reporting agency from any subsequent use, if\--
>
> **(A)** the consumer, in accordance with the provisions of subsection
> (a) of this section, identifies, to a consumer reporting agency,
> information in the file of the consumer that resulted from identity
> theft; and
>
> **(B)** the consumer reporting agency is a reseller of the identified
> information.
>
> \(3\) Notice
>
> In carrying out its obligation under paragraph (2), the reseller shall
> promptly provide a notice to the consumer of the decision to block the
> file. Such notice shall contain the name, address, and telephone
> number of each consumer reporting agency from which the consumer
> information was obtained for resale.

\(e\) Exception for verification companies

The provisions of this section do not apply to a check services company,
acting as such, which issues authorizations for the purpose of approving
or processing negotiable instruments, electronic fund transfers, or
similar methods of payments, except that, beginning 4 business days
after receipt of information described in paragraphs (1) through (3) of
subsection (a) of this section, a check services company shall not
report to a national consumer reporting agency described in [[section
1681a(p)]{.underline}](http://www.westlaw.com/Find/Default.wl?rs=dfa1.0&vr=2.0&DB=1000546&DocName=15USCAS1681A&FindType=L&ReferencePositionType=T&ReferencePosition=SP_2c830000eaaf5)
of this title, any information identified in the subject identity theft
report as resulting from identity theft.

\(f\) Access to blocked information by law enforcement agencies

No provision of this section shall be construed as requiring a consumer
reporting agency to prevent a Federal, State, or local law enforcement
agency from accessing blocked information in a consumer file to which
the agency could otherwise obtain access under this title.

**ENCLOSURE:**

**FCRA 615(f) (15 U.S.C. § 1681m(f)) Requirements on Users of Consumer
Reports -- Prohibition on Sale or Transfer of Debt Caused by Identity
Theft**

\(f\) Prohibition on sale or transfer of debt caused by identity theft

> \(1\) In general
>
> No person shall sell, transfer for consideration, or place for
> collection a debt that such person has been notified under [[section
> 1681c-2]{.underline}](http://www.westlaw.com/Find/Default.wl?rs=dfa1.0&vr=2.0&DB=1000546&DocName=15USCAS1681C-2&FindType=L)
> of this title has resulted from identity theft.
>
> \(2\) Applicability
>
> The prohibitions of this subsection shall apply to all persons
> collecting a debt described in paragraph (1) after the date of a
> notification under paragraph (1).
>
> \(3\) Rule of construction
>
> Nothing in this subsection shall be construed to prohibit\--
>
> **(A)** the repurchase of a debt in any case in which the assignee of
> the debt requires such repurchase because the debt has resulted from
> identity theft;
>
> **(B)** the securitization of a debt or the pledging of a portfolio of
> debt as collateral in connection with a borrowing; or
>
> **(C)** the transfer of debt as a result of a merger, acquisition,
> purchase and assumption transaction, or transfer of substantially all
> of the assets of an entity.

**ENCLOSURE:**

**FCRA 623(a)(6) (15 U.S.C. § 1681s-2(a)(6)) Responsibilities of
Furnishers of Information to Consumer Reporting Agencies -- Duties of
Furnishers upon Notice of Identity Theft-Related Information**

\(6\) Duties of furnishers upon notice of identity theft-related
information

> \(A\) Reasonable procedures
>
> A person that furnishes information to any consumer reporting agency
> shall have in place reasonable procedures to respond to any
> notification that it receives from a consumer reporting agency under
> [[section
> 1681c-2]{.underline}](http://www.westlaw.com/Find/Default.wl?rs=dfa1.0&vr=2.0&DB=1000546&DocName=15USCAS1681C-2&FindType=L)
> of this title relating to information resulting from identity theft,
> to prevent that person from refurnishing such blocked information.
>
> \(B\) Information alleged to result from identity theft
>
> If a consumer submits an identity theft report to a person who
> furnishes information to a consumer reporting agency at the address
> specified by that person for receiving such reports stating that
> information maintained by such person that purports to relate to the
> consumer resulted from identity theft, the person may not furnish such
> information that purports to relate to the consumer to any consumer
> reporting agency, unless the person subsequently knows or is informed
> by the consumer that the information is correct.