Identity Theft Response Kit

[Your Name]
[Your Address]
[City, State ZIP]
[Phone Number]
[Email Address]

[Date]

[Credit Bureau Name]
[Address]
[City, State ZIP]

Re: Dispute of Fraudulent Information on Credit Report
Report Confirmation Number: [Your confirmation number, if available]

Dear Sir or Madam:

I am writing to dispute fraudulent information appearing on my credit report as a result of identity theft. I am a victim of identity theft and did not authorize or create the following account(s):

FRAUDULENT ACCOUNT(S):

1. [Creditor Name]
   Account Number: [Last 4 digits only]
   Amount: $[Amount]
   Date Opened: [Date]
2. [Creditor Name]
   Account Number: [Last 4 digits only]
   Amount: $[Amount]
   Date Opened: [Date]

I have enclosed the following documents to support my claim:

• Copy of my FTC Identity Theft Report
• Copy of police report [if applicable]
• Copy of government-issued photo ID
• Proof of address

Under the Fair Credit Reporting Act (FCRA), I request that you:

1. Block this fraudulent information from appearing on my credit report
2. Provide written confirmation that these accounts have been removed
3. Notify me in writing of the results of your investigation within 30 days

I did not create these accounts, and I am not responsible for them. This information is inaccurate and should be removed immediately under 15 U.S.C. § 1681c-2.

Please send written confirmation of the removal of this fraudulent information to the address listed above.

Thank you for your immediate attention to this matter.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: FTC Identity Theft Report, Police Report [if applicable], Copy of ID, Proof of address

[Your Name]
[Your Address]
[City, State ZIP]
[Phone Number]
[Email Address]

[Date]

[Company Name]
Fraud Department
[Address]
[City, State ZIP]

Re: Fraudulent Account — Identity Theft Victim
Account Number: [Last 4 digits only, if known]

Dear Fraud Department:

I am writing to inform you that I am a victim of identity theft and that a fraudulent account was opened in my name without my knowledge or authorization.

FRAUDULENT ACCOUNT DETAILS:
Account Number: [Last 4 digits only]
Date Opened: [Date, if known]
Amount/Credit Limit: $[Amount]

I did not:

• Open or authorize this account
• Receive any products, services, or benefits from this account
• Make any charges or transactions on this account
• Give anyone permission to use my personal information

I am requesting that you:

1. Close this fraudulent account immediately
2. Remove all fraudulent charges associated with this account
3. Provide written confirmation that I am not responsible for this debt
4. Stop all collection activities related to this account
5. Report to all credit bureaus that this account was fraudulent
6. Provide documentation showing the account has been closed and debt discharged

Under the Fair Credit Billing Act and Fair Credit Reporting Act, I am not liable for these fraudulent charges. I request that you conduct a full investigation and provide me with copies of any application or documentation used to open this account.

Please send written confirmation of the account closure and debt discharge to the address above within 30 days.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: FTC Identity Theft Report, Police Report [if applicable], Copy of ID, Proof of address

[Your Name]
[Your Address]
[City, State ZIP]
[Phone Number]
[Email Address]

[Date]

[Collection Agency Name]
[Address]
[City, State ZIP]

Re: Identity Theft — Fraudulent Debt
Your Reference Number: [Reference number from collection notice]

Dear Sir or Madam:

I received your notice dated [date] regarding a debt collection attempt for account number [last 4 digits]. I am writing to inform you that I am a victim of identity theft and this debt is fraudulent.

I did NOT:

• Incur this debt
• Authorize anyone to use my personal information
• Receive any goods or services related to this debt
• Enter into any agreement with the original creditor

Under the Fair Debt Collection Practices Act (FDCPA), I am exercising my right to dispute this debt and request validation. I request that you:

1. Cease all collection activities immediately
2. Do not report this debt to credit bureaus
3. Provide validation of this debt including: original signed contract, proof of collection authorization, and complete payment history
4. Remove this debt from my records
5. Provide written confirmation that this matter is closed

Under 15 U.S.C. § 1692g, you must cease collection activities until you have validated the debt. Under 15 U.S.C. § 1681c-2, you may not report fraudulent debts resulting from identity theft.

Any continued collection attempts without proper validation will be considered harassment under the FDCPA.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: FTC Identity Theft Report, Police Report [if applicable]

[Your Name]
[Your Address]
[City, State ZIP]
[Phone Number]
[Email Address]

[Date]

[Company Name]
Human Resources Department
[Address]
[City, State ZIP]

Re: Employment Identity Theft Notification
Employee Name on File: [Your name]
SSN: [Last 4 digits]-XX-XXXX

Dear Human Resources:

I am writing to inform you that someone has fraudulently used my Social Security number and personal information to gain employment at your company. I am a victim of identity theft and did NOT apply for, work for, or authorize anyone to use my information for employment at your company.

The IRS has informed me of unreported income from your company for tax year(s): [year(s)]

I request that you:

1. Investigate this fraudulent employment immediately
2. Terminate the fraudulent employee if still employed
3. Provide me with copies of employment documents (application, W-4, I-9)
4. Correct your records to show I was not the employee
5. Issue a corrected W-2 or notify the IRS of the fraudulent wages
6. Provide written confirmation of these actions

Please contact me at [phone number] or [email] to discuss this matter. I request a response within 10 business days.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: FTC Identity Theft Report, Police Report, Copy of ID, IRS Documentation

[Your Name]
[Your Address]
[City, State ZIP]
[Phone Number]
[Email Address]
[Date of Birth]

[Date]

[Healthcare Provider Name]
Medical Records Department
[Address]
[City, State ZIP]

Re: Medical Identity Theft — Request for Records Review
Patient Name: [Your name]
Date of Birth: [Your DOB]
Medical Record Number: [If known]

Dear Medical Records Department:

I am writing to inform you that I am a victim of medical identity theft. Someone has fraudulently used my personal information to obtain medical services at your facility.

FRAUDULENT SERVICES:
Date(s) of Service: [Date(s)]
Type of Service: [Description]
Provider: [Doctor/Department name]

I did NOT receive these medical services, visit your facility on the date(s) listed, authorize anyone to use my information, or give permission for these treatments.

I am concerned that my medical records contain incorrect information that could affect future care, that I am being billed for services I did not receive, and that my insurance benefits may be affected.

I request that you:

1. Flag my records to indicate medical identity theft
2. Provide me with copies of all records from the fraudulent visits
3. Create a separate file for the fraudulent information
4. Remove fraudulent information from my active medical file
5. Require photo ID for all future appointments in my name
6. Provide written confirmation of these actions

Under HIPAA, I have the right to request amendments to my medical records. Please contact me within 10 business days to discuss the steps you will take.

Sincerely,

[Your Signature]
[Your Printed Name]

Enclosures: FTC Identity Theft Report, Police Report, Copy of ID, Proof of address