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Document 21

The author is a victim of identity theft and has filed a report with the FTC, requesting the removal of fraudulent accounts and inquiries from their credit report as mandated by the Fair Credit Reporting Act. They outline required actions for compliance, including blocking fraudulent entries and providing a corrected credit report. The author warns of legal consequences for noncompliance, including filing complaints with regulatory agencies and pursuing civil action.

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9 views2 pages

Document 21

The author is a victim of identity theft and has filed a report with the FTC, requesting the removal of fraudulent accounts and inquiries from their credit report as mandated by the Fair Credit Reporting Act. They outline required actions for compliance, including blocking fraudulent entries and providing a corrected credit report. The author warns of legal consequences for noncompliance, including filing complaints with regulatory agencies and pursuing civil action.

Uploaded by

badaxxtomtom
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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To Whom It May Concern,

I am writing to inform you that I am a victim of identity theft. I have filed an official report
with the Federal Trade Commission (FTC) and, if required, with local law enforcement.

Under Section 605B of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681c-2, you are
legally required to remove and block all fraudulent accounts, inquiries, and related
information within 4 business days of receiving this request and documentation.

THIS DEMAND COVERS:

• All fraudulent accounts listed on my credit report (see attached).


• All unauthorized hard inquiries, made without my knowledge or consent, in
connection with identity theft.

These entries were made without my authorization and are causing serious harm to my
credit and financial reputation. Under federal law, these items must be permanently
blocked from my file and may not be reinserted unless you verify their accuracy and
legitimacy with documented proof, which you do not have because I never authorized
these transactions.

REQUIRED ACTIONS:

1. Delete and permanently block all fraudulent accounts and hard inquiries
connected to identity theft.
2. Stop and prevent any future reporting of these items.
3. Send me written confirmation that all disputed accounts and inquiries have been
removed and blocked.
4. Reissue a corrected copy of my full credit report, free of charge, reflecting these
removals.

LEGAL CONSEQUENCES FOR NONCOMPLIANCE:

If you fail to comply within the timeframe allowed by law, I will file immediate complaints
with:
• The Consumer Financial Protection Bureau (CFPB)
• The Federal Trade Commission (FTC)
• My state attorney general
• I will pursue civil legal action to seek damages, attorney fees, and punitive
penalties.

ENCLOSED DOCUMENTS:

• FTC Identity Theft Report


• Government-issued photo ID
• Proof of current address (utility bill, lease, etc.)
• Police Report (if applicable)
• List of fraudulent accounts and inquiries (optional – I can help you generate this if
needed)

You are now fully notified. I expect full compliance with federal law immediately.

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