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Credit Bureau Disputes File Disclosures & Freeze

Security Freeze / Temporary Lift / Permanent Thaw Request

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When to use it

Use to place, temporarily lift (thaw), or permanently remove a security freeze on your credit report free of charge.

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: Security Freeze Action Request Pursuant to FCRA Section 605A(i) (15 U.S.C. § 1681c-1(i)) To Whom It May Concern at [BUREAU NAME], I am writing to formally request a security freeze action on my consumer credit report maintained by [BUREAU NAME], pursuant to 15 U.S.C. § 1681c-1(i). Specific Action Requested: [CUSTOM NOTES] Under federal law (15 U.S.C. § 1681c-1(i)(2)), nationwide credit reporting agencies are prohibited from charging any fee for placing, temporarily lifting, or permanently removing a security freeze. Enclosed are my identity documents (government photo ID, Social Security card proof, utility bill). Please execute this freeze action immediately upon receipt and mail written confirmation. Sincerely, ____________________________________ [CLIENT FULL NAME]

Legal basis

15 U.S.C. § 1681c-1(i)State Security Freeze Statutes

Enclose

  • Copy of government photo ID
  • Copy of Social Security Card
  • Copy of recent utility bill showing address

Before you send

  • Prepare identity documents.
  • If thawing/lifting existing freeze, include freeze PIN/passcode if applicable.
Know this first
  • Under 15 U.S.C. § 1681c-1(i), placing or lifting a security freeze is completely free of charge under federal law.

Follow up

Allow about 5 days for a response.