TEMPLATE IDENTITY THEFT DISPUTE LETTER TO BANK

Not legal advice.

This is purely illustrative and meant to give consumers an example of how to draft their own dispute letter.

To address fraudulent charges on your credit card due to unauthorized access, promptly notifying the credit card company is essential.

Ensure your letter includes all pertinent details and documentation.

Remember to always send via certified mail for proof of mailing.

[Date]

[Your Name]
[Your Address]
[City, State, Zip Code]

[Name of Company]
[Department (e.g., Fraud Department or Billing Inquiries)]
[Address]
[City, State, Zip Code]

Subject: Dispute of Fraudulent Charges on Account No. [Your account number]

Dear [Sir/Madam],

I am writing to dispute fraudulent charges totaling [$___] that were posted to my account on [dates]. As a victim of identity theft, I did not authorize these charges. I request the immediate removal of the fraudulent charges, any related finance charges, and other fees from my account. Please provide me with an updated and accurate statement, and close the account if necessary. Additionally, cease reporting these incorrect charges to all nationwide credit reporting agencies (CRAs).

Enclosed you will find a copy of my Identity Theft Report and my credit report, which highlights the fraudulent items related to your company. For privacy, unrelated information has been redacted. Also included is a copy of the Notice to Furnishers issued by the Federal Trade Commission, outlining your responsibilities under the Fair Credit Reporting Act (FCRA). This notice specifies your obligations upon receiving notice from a CRA that the information you provided may be the result of identity theft. These responsibilities include halting the provision of inaccurate information to CRAs and ensuring you do not sell or transfer the fraudulent debts for collection.

Please investigate this matter and provide me with a written explanation of your findings and actions.

Thank you for your prompt attention to this issue.

Sincerely,

[Your Name]

Enclosures: