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Identity theft

Identity-theft credit-bureau block letter

A letter asking a credit bureau to block report information caused by documented identity theft.

Prepared for: Each credit bureau reporting the identity-theft information

When to use it
  • You have confirmed that report information resulted from identity theft.
  • You created an FTC Identity Theft Report at IdentityTheft.gov.
  • You can identify each fraudulent item on the bureau’s report.
Before sending
  • Complete the official IdentityTheft.gov recovery steps first.
  • Prepare a separate packet for each bureau reporting fraudulent information.
  • Use the bureau address and proof-of-identity requirements in the current official instructions.
Information to prepare
  • Your identifying information
  • FTC Identity Theft Report
  • Each fraudulent report item
  • The bureau receiving the request
Possible attachments
  • Copy of the FTC Identity Theft Report
  • Proof of identity required by the bureau
  • Copy of the report with fraudulent items marked
  • Any additional official form or required FCRA notice
Private browser-based builder

Build a working draft

Your entries are never submitted or analyzed. Saving on this device is optional and off by default. Use partial account numbers and avoid entering a Social Security number.

Local only

1. Fill the placeholders

10 fields

Leave anything blank to keep its bracketed placeholder in the draft.

2. Review and edit

The draft remains editable. Remove instructions and unused options before sending.

Not saved on this device.

3. Attachment checklist

Check only what belongs with this specific letter. Send copies, not originals.

4. Response tracker

Keep these dates with your own copy. This tracker is not included in the letter.

Review before continuing

The draft still has placeholders

    View the unfilled template text
    [Date]
    [Your name]
    [Your mailing address]
    [City, state ZIP]
    
    [Credit bureau name]
    [Current identity-theft correspondence address]
    
    Re: Identity-theft block request — report/file number [number if known]
    
    To whom it may concern:
    
    I am a victim of identity theft. The information identified below does not relate to transactions I made and resulted from identity theft:
    
    [List each company, account type, partial account number, and report entry to block]
    
    Please block this information from my credit file under section 605B of the Fair Credit Reporting Act and provide the required notices to the companies that furnished it.
    
    I have enclosed my FTC Identity Theft Report, proof of identity, and a copy of my credit report with the identity-theft items marked.
    
    Sincerely,
    
    [Your name]
    
    Enclosures:
    - FTC Identity Theft Report
    - Proof of identity: [describe]
    - Marked copy of credit report
    - [Other required documents]
    Official version availableUse the official IdentityTheft.gov letter and recovery plan
    Send or store it carefully
    1. 1.Follow the current IdentityTheft.gov and bureau instructions.
    2. 2.Send separate packets to affected bureaus.
    3. 3.Keep complete copies and delivery evidence in a secure location.
    What to track next
    1. 1.Save each bureau response.
    2. 2.Confirm the identified information is blocked on updated reports.
    3. 3.Continue the business-account and recovery steps in the FTC plan.
    State context

    Check the rules and help where you live

    Federal templates are a starting point. State law can add rights, deadlines, licensing rules, or court procedures. This finder routes you to official state consumer resources without trying to summarize those laws.

    Choose your location to open its official consumer-protection office.

    Directory links reviewed August 13, 2026. Verify addresses and instructions before sending.

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    Credit Proud is an educational resource, not a credit bureau, debt collector, government agency, or law firm. We do not provide legal advice or promise a specific credit outcome.