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Credit Bureau Disputes File Disclosures & Freeze
Generate this letterSecurity Freeze / Temporary Lift / Permanent Thaw Request
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 StatutesEnclose
- 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.