Sample Credit Report Dispute Letter on Account That Is Not Yours

Sample Credit Report Dispute Letter on Account That Is Not Yours.

We have already discussed that you have a right to accurate credit reports.

When there is false information it needs to be disputed to the credit reporting agencies (and often the furnisher), it needs to be sent by certified mail.

Remember to keep a signed copy of your letter and all attachments.

Here is an example of what to say in a letter on an account that is not yours.


[List the agencies]

Dear Sir or Madam,

I am disputing the Capital One account that is on my credit report with you.

It is the only Capital One account listed.

The account number is 12345678xxx according to my reports.

I’m enclosing the page of my credit report where this account is listed to help you out.

I have circled it for you.

This is not my account.  I don’t have a Capital One credit card.  I don’t know if this is identity theft or if you or Capital One made a mistake and put this on my reports.

But regardless of how it got on there, please delete it and make sure it does not reappear on my reports.

I’m enclosing a fraud affidavit I received from the FTC website.

I’m also enclosing a police report.

I don’t know if this is ID theft but I do know this is not my account and I want it removed.

If you or Capital One (who I’m copying with this letter) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this.

Same for Capital One — explain why you are keeping this.

To all of you — show me the documentation where I ever opened or agreed to this account.

If you keep false information on my account and don’t even make an effort in explaining why you’re doing this to me, that would be shocking and disappointing.

But I’m confident and hope that you will remove this false information from my credit reports.

Please write to me at my address or call me at ____________ or email me at ______________ if you’re confused in any way about my request or if you have any questions.

I’m trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports.

Thank you for correcting this error.

Full Name

Full Address

All phone numbers





Recent power bill/bank statement/etc showing your name and address

ID Theft/Fraud Affidavit

Police Report

Copy of Driver’s License

Copy of Credit Report showing Capital One Account

cc: Capital One (list full address from credit report) [certified mail also]

Contact us if you have questions.

Hope this was helpful to you.

If you have any questions, give us a call at 1-205-879-2447.

Or you can fill out a contact form and we will get in touch with you as soon as possible.

I look forward to chatting with you!

Have a great day.

-John G. Watts

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