Your Online Guide to Writing an Identity Theft Dispute Letter to Your Credit Bureau


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Written by Guest | June 26th, 2019
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Guest Post by Nora Mork

If you’ve been the victim of identity theft, this can be a very stressful and confusing time. It’s one of those things we think will never happen to us and rarely think about. When it does happen, however,  it changes our whole lives.
However, one of your priorities will be knuckling down and getting everything sorted as quickly as possible. This, of course, means writing a letter to the credit bureau to make sure they’re aware of what’s happened and the process to correct things starts as quickly as possible.

Nevertheless, making sure the letter is readable and comprehensive should be your top concern to ensure that everything goes smoothly and without error. Today, we’re going to explore how you can do this with these six simple tips:

#1 - Start with the essentials

Every letter to the credit bureau should start with essential information that keeps everything organized and identifiable. For example, you’ll want to include the date you’re writing the letter,  your full name, and your address.
This will help the letter stay in circulation, and it’s easy for people to find the letter when they need to work on your case. Including the date also ensures you can see exactly when you started your case and when you spoke about what part of your problem.

#2 - Write to each company separately

Because there are multiple credit bureaus, write to each one individually to make sure all problems are resolved. It doesn’t matter if you’re using TransUnion, Experian, or Equifax; make sure you’re writing to them to get the process started.

Use the company’s full address and include your account number, if applicable, so the representative can easily start processing your case.

#3 - Talking about your problem

“When you’re writing the actual body of your content, you’ll need to make sure you’re clear, concise, and directly to the point. You might sound blunt, but it’s important to make sure you're completely clear, so there’s no risk of miscommunication” explains Paul Davis, a communication manager for State of writing and Top Canadian Writers.

You can simply start by greeting your case representative, followed by “I have been the victim of identity fraud, and I would like to request the change of my credit report information with the following conditions…”

You can then go on to state the problem, what information is incorrect, and what needs to be changed. Make sure you’re clear and concise with what needs to be changed because if this is done incorrectly, you could be breaking the law.

#4 - Include relevant documents

You will also need to prove what problems are on your report, as well as highlighting where they are and what needs to be changed. Hand in hand with the point above, include a copy or screenshot of what’s wrong, ensuring you highlight the errors clearly.

Make sure you tell the representative you’ve clearly circled the wrong areas of your report. While you may feel like you’re oversimplifying, the simpler, the better.

#5 - Mention the law

You’re fully within your rights to contest a credit error under Section 605B of the Fair Credit Reporting Act, so make sure you print off and include a copy with your letter just to make sure the representative is aware. Including a copy in your letter shows you know your rights and eliminates any problems on your behalf.

#6 - Edit and format your letter to perfection

To make sure everything goes through quickly and clearly, and there’s minimal room for miscommunication or misinterpretation of your letter, you’ll want to make sure you’re editing and formatting your letter to ensure it’s as readable as possible.

Even if you’re not a professional writer, that doesn’t mean your writing can’t be a professional standard, especially since so many online tools are available. Here are a few to get you started:

Studydemic/AcademAdvisor ― These two websites are full of copywriting guides you can follow when writing your letter to ensure it flows and makes sense.

UK Writings ― Use this online tool to edit and structure your letter to ensure it’s completely readable and easy to understand, as recommended by Revieweal.

Simple Grad/Via Writing ― Use these online tools and grammar usage tips to check the grammar of your letter and ensure it’s correct.

Essay Roo ― This is a leading proofreading tool to ensure your letter is free from mistakes, typos, and errors that could cause miscommunication.

Elite Assignment Help ― This is a powerful formatting tool to help you structure and design your letter in the best possible way.

The bottom line

As you can see, there are lots of things to consider when it comes to writing to your credit bureau about possible identity fraud. Make sure you're accurate and concise, and try to cover everything to ensure everything is resolved quickly.

Nora Mork is a communication manager and business writer at Australian Reviewer and Academized. She shares her experience by speaking and public events, and writing articles for blogs like UK Services Reviews.

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