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Credit Bureau Disputes Identity Theft & Rights
Generate this letterRequest for Initial, Extended, or Active Duty Fraud Alert
When to use it
Use to place a 1-year initial fraud alert, 7-year extended fraud alert (for identity theft victims), or 12-month active duty alert on your credit file.
Preview
Bracketed fields are filled in from your account when you generate it.
[CLIENT FULL NAME]
[CLIENT ADDRESS LINE1]
[CLIENT CITY], [CLIENT STATE] [CLIENT ZIP]
Phone: [CLIENT PHONE] | Email: [CLIENT EMAIL]
DOB: [CLIENT DOB] | SSN (last 4): XXX-XX-[CLIENT SSN LAST4]
Date: [TODAY]
[RECIPIENT NAME]
[RECIPIENT ADDRESS BLOCK]
Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]
RE: Request to Place Fraud Alert Pursuant to FCRA Section 605A (15 U.S.C. § 1681c-1)
To Whom It May Concern at [BUREAU NAME],
I am writing to request the placement of a statutory Fraud Alert on my consumer credit file, pursuant to Section 605A of the Fair Credit Reporting Act (15 U.S.C. § 1681c-1).
Alert Type Requested: [CUSTOM NOTES]
Primary Contact Phone Number for Verification: [CLIENT PHONE]
Under 15 U.S.C. § 1681c-1, placing this alert requires prospective creditors to contact me directly at [CLIENT PHONE] to verify my authorization prior to extending credit or increasing credit limits in my name.
Furthermore, pursuant to 15 U.S.C. § 1681c-1(a)(2), as a nationwide credit reporting agency, [BUREAU NAME] must immediately refer this alert request to all other nationwide credit reporting agencies.
Enclosed are verification documents confirming my identity. Please confirm placement of this alert in writing.
Sincerely,
____________________________________
[CLIENT FULL NAME]
Legal basis
15 U.S.C. § 1681c-112 CFR § 1022.30Enclose
- Copy of government photo ID
- Copy of Social Security Card
- Copy of utility bill
- Copy of FTC Identity Theft Report / Police Report (if requesting 7-year extended alert)
Before you send
- For 7-year extended alert, obtain an FTC Identity Theft Report or police report.
Know this first
- Under § 1681c-1(a)(2), placing a fraud alert with one nationwide CRA requires that CRA to notify the other two nationwide CRAs.
Follow up
Allow about 15 days for a response.