{{OPERATOR_NAME}}
{{OPERATOR_ADDRESS}}
{{OPERATOR_CITY}}, {{OPERATOR_STATE}} {{OPERATOR_ZIP}}
Date of Birth: {{OPERATOR_DOB}}
SSN (last 4): XXX-XX-{{OPERATOR_SSN4}}

{{TODAY}}

{{BUREAU_NAME}}
{{BUREAU_ADDRESS}}

**Re: Identity theft notice + demand for removal — FCRA §605B (15 U.S.C. §1681c-2)**

Dear {{BUREAU_NAME}},

I am writing to report identity theft affecting the tradeline listed below and to formally request its removal from my credit report under the Fair Credit Reporting Act, 15 U.S.C. §1681c-2 (FCRA §605B).

**Account information — this is NOT MINE:**
- Creditor as reported: {{CREDITOR}}
- Account number (last 4): {{ACCOUNT_LAST4}}
- Date reportedly opened: {{DATE_OPENED}}
- Reported balance: {{BALANCE}}
- Bureau reporting: {{BUREAU_NAME}}

I did not open this account, authorize its opening, or receive any benefit from it. It appears on my report as a result of identity theft.

**Enclosed documentation** (per FCRA §605B and FTC guidance):

1. **FTC Identity Theft Report** (from IdentityTheft.gov) — filed on {{FTC_REPORT_DATE}}, report number: {{FTC_REPORT_NUMBER}}
2. **Police report** (or copy of report filed with local law enforcement) — case number: {{POLICE_REPORT_NUMBER}}, filed at {{POLICE_REPORT_DEPT}} on {{POLICE_REPORT_DATE}}
3. **Proof of identity** — copy of government-issued ID, copy of utility bill matching current address
4. **Written statement** signed under penalty of perjury: I attest that the above-referenced account is not mine, that I did not open it or authorize its opening, and that my identifying information was used without my authorization.

Under FCRA §605B, upon receipt of this identity theft report you MUST, within four (4) business days:
1. Block the reporting of any information in my file that I identify as resulting from identity theft
2. Notify the furnisher of that information that the item is disputed as a result of identity theft and may not be reported again
3. Notify any other party who received the disputed information in the past 6 months

Please provide me with written confirmation of the block, and a corrected copy of my credit report reflecting the removal, within thirty (30) days.

Sincerely,

_______________________
{{OPERATOR_NAME}}

I certify under penalty of perjury that the foregoing is true and correct to the best of my knowledge.

**Enclosures:** FTC Identity Theft Report, police report, proof of identity, sworn statement

*Sent via USPS Certified Mail with Return Receipt Requested.*
