[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]

[Credit Bureau Name]
[Bureau Address]

Re: Dispute — Account Does Not Belong to Me

To Whom It May Concern:

The account listed below is appearing on my credit report, but it does
NOT belong to me. I have never opened, applied for, or authorized this
account.

Account name: [Creditor Name]
Account number: [XXXX-XXXX-XXXX-1234]
Date opened on report: [MM/DD/YYYY]

Pursuant to the Fair Credit Reporting Act (15 U.S.C. § 1681i) and, if
applicable, the Fair and Accurate Credit Transactions Act, please:

 1. Investigate this account with the furnisher.
 2. Remove this account from my credit file if it cannot be verified
    as belonging to me with original signed documentation.
 3. Send me written confirmation when this item is deleted, along with
    an updated copy of my credit report.

I have enclosed copies of my photo ID, proof of address, and an FTC
Identity Theft Report (if applicable).

Sincerely,

[Signature]
[Printed Name]