Identity theft block letter generator
If someone used your information to open accounts, a regular dispute is the slow road. FCRA Section 605B gives you a faster one: the block. Send a bureau a complete packet and it must block the fraudulent information from your report, generally within 4 business days. This page builds the request letter and lists exactly what goes in the envelope.
What a complete packet contains
Under FCRA Section 605B (15 U.S.C. Section 1681c-2), a block request needs four things: appropriate proof of your identity, a copy of an identity theft report, your identification of the information to block, and your statement that the information does not relate to any transaction you made. Your identity theft report comes free from the FTC at IdentityTheft.gov. The bureau must block the information no later than 4 business days after receiving the packet. A bureau may decline or rescind a block only in narrow cases, including a block made in error or through a material misrepresentation. Sources: FCRA Section 605B and CFPB guidance, checked November 2026.
The full sequence
- File your report at IdentityTheft.gov first, and save the Identity Theft Report and recovery plan it creates.
- Send the block packet to every bureau that lists fraudulent information. One bureau’s block does not reach the others.
- Contact each company that opened a fraudulent account, tell it the account is not yours, ask for it to be closed, and keep notes of names, dates, and what was said.
- Place a free credit freeze with all three bureaus so no new accounts can be opened in your name while you clean up.
- Log every packet in the dispute tracker, and check your reports again after the block window passes.
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