TEMPLATE IDENTITY THEFT DISPUTE LETTER TO CREDIT BUREAUS

非法律建议。

此为纯粹示例，旨在为消费者提供如何起草自身争议信函的范本。

To address accounts or debts on your credit report resulting from identity theft, promptly notify the relevant credit reporting agency. While you can dispute on their websites directly, it is always better practice to send a letter to ensure proper evidentiary proof.

请确保您的信函包含所有相关细节和文件。

请务必通过挂号信寄送，以便保留邮寄凭证。

SEND A DISPUTE TO EACH CREDIT REPORTING AGENCY SEPARATELY:

Equifax Information Services
P.O. Box 740256
Atlanta, GA 30374-0256

TransUnion
P.O. Box 2000
Chester, PA 19022-2000

Experian Information Systems
P.O. Box 4500
Allen, TX 75013

[日期]

[您的姓名]
[您的地址]
[城市, 州, 邮政编码]

Subject: Dispute of Fraudulent Accounts Due to Identity Theft

Dear [Sir/Madam],

I am writing to inform you that I am a victim of identity theft. The information listed below, appearing on my credit report, is not related to any transactions I have made and is a result of identity theft.

[Specify the items resulting from identity theft, including the source (e.g., credit card issuer or bank) and the type of item (e.g., credit account, checking account).]

Please block this fraudulent information from my credit report pursuant to section 605B of the Fair Credit Reporting Act (FCRA) and send the necessary notifications to all furnishers of this information.

Enclosed are the following documents to support my claim:

A copy of my credit report from your agency, with the fraudulent items circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the FCRA, which mandates blocking fraudulent information on my credit report within four business days and promptly notifying the furnishers.

I appreciate your prompt attention to this matter and look forward to your response.

此致，

[您的姓名]

Enclosures: