How to Dispute Identity Theft Items

It's a bit disconcerting to realize that there is something on your credit report that isn't right, but it's a sinking feeling to realize the inaccuracies are the result of identity theft. The financial mess left in the wake of identity theft can take months or even years to completely straighten out. One of the first things you can do to start down the path to reclaiming your identity is to dispute anything on your credit report that isn't yours.

Instructions

Disputing Fraudulent Items

1

Report the identity theft to a law enforcement agency in your area. Be persistent if there is any reluctance by the law agency to take an identity theft report. Ask for a copy of the report.

2

Check reports from all three of the nationwide credit reporting agencies: Experian, TransUnion and Equifax. Mark disputed items on the credit reports. Free copies can be obtained from AnnualCreditReport.com.

3

Fill out an Identity Theft Victim's Complaint and Affidavit from the Federal Trade Commission. For each disputed account, complete a separate Fraudulent Account Statement.

4

Write a dispute letter to each credit reporting agency. Include the file or report number of the disputed report, usually found in the top right corner of the report. If there are disputed accounts, list each credit account, including the creditor's number and the account number. List incorrect addresses, unknown debt, and unsolicited inquiries from creditors.

5

Attach copies of all supporting documents to the letter. Do not send original copies of supporting documents. These documents might include a police report, ID Theft Affidavit, and marked credit reports. Also attach proof of identity and residence, such as a copy of a driver's license and a copy of a utility bill. List all attachments in an Enclosure section at the bottom of the letter. Make a copy of your dispute letter for your records. Keep it with the original documentation you attached to the letter. Send the letter and all the supporting documentation via certified or registered mail. Keep the receipt with your records. Send a copy of the letter to each creditor involved.