Furnisher Direct Dispute and Identity Theft Block Pack - Alaska

FURNISHER DIRECT DISPUTE AND IDENTITY THEFT BLOCK PACK

ALASKA CONSUMER CREDIT PROTECTION DOCUMENTS

PART I: DIRECT DISPUTE LETTER TO FURNISHER

SENT VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED

Date: [__/__/____]

From (Consumer):
Name: [________________________________]
Address: [________________________________]
City, State, ZIP: [________________________________]
Social Security Number (last 4 digits): [____]
Date of Birth: [__/__/____]
Telephone: [________________________________]
Email: [________________________________]

To (Furnisher):
Company Name: [________________________________]
Attention: Dispute Department / Compliance Officer
Address: [________________________________]
City, State, ZIP: [________________________________]

Re: Direct Dispute Under 15 U.S.C. § 1681s-2(a)(8) and 12 C.F.R. § 1022.43
Account Number: [________________________________]
Account Type: [________________________________]

DISPUTE TYPE (Check all that apply)

☐ Inaccuracy Dispute - Information reported is factually incorrect
☐ Identity Theft Dispute - Account opened fraudulently without my authorization
☐ Mixed File Dispute - Information belongs to another consumer with similar name/information
☐ Not My Account - I have no relationship with this account
☐ Account Status Error - Incorrectly reported as delinquent, charged-off, or in collections
☐ Balance Error - Incorrect balance, credit limit, or high balance reported
☐ Payment History Error - Late payments incorrectly reported or payment dates wrong
☐ Account Ownership Error - Incorrectly listed as individual/joint/authorized user
☐ Duplicate Account - Same debt reported multiple times
☐ Obsolete Information - Information beyond the 7-year reporting period (10 years for bankruptcy)
☐ Settled/Paid Account Error - Account not updated to reflect settlement or payoff
☐ Other - [________________________________]

STATEMENT OF DISPUTE

I am writing to formally dispute information you are furnishing to consumer reporting agencies regarding the account referenced above. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681s-2(a)(8), and the implementing regulations at 12 C.F.R. § 1022.43.

Detailed Description of Disputed Information:

[________________________________]
[________________________________]
[________________________________]
[________________________________]

Reason(s) This Information Is Inaccurate or Incomplete:

[________________________________]
[________________________________]
[________________________________]
[________________________________]

Correct Information (if applicable):

[________________________________]
[________________________________]

LEGAL BASIS FOR THIS DISPUTE

Under 15 U.S.C. § 1681s-2(a)(8)(E), you are required to:

1. Conduct a Reasonable Investigation - Review all relevant information I have provided and conduct an investigation with respect to the disputed information within 30 days (or 45 days if I submit additional information during the investigation);

2. Review All Relevant Information - Consider all documentation and information I have submitted supporting this dispute;

3. Report Results - Provide me with written notice of the results of your investigation, including:
   - A statement that the investigation is complete;
   - A determination of whether the disputed information is inaccurate, based on your investigation;
   - If inaccurate, a statement that the information will be promptly deleted or modified;
   - If verified as accurate, a statement explaining your verification method;

4. Notify Consumer Reporting Agencies - If your investigation reveals the information is inaccurate, incomplete, or cannot be verified, you must promptly notify each consumer reporting agency to which you furnished the information and provide corrections;

5. Cease Furnishing Inaccurate Information - You must not continue to furnish information you know or have reasonable cause to believe is inaccurate.

Under 12 C.F.R. § 1022.43(e), you must complete this investigation and report results to me before expiration of the period under Section 611(a)(1) of the FCRA.

REQUESTED ACTIONS

I demand that you:

☐ Conduct a reasonable investigation of this dispute within 30 days
☐ Review all documentation I have provided supporting this dispute
☐ Correct or delete the inaccurate information immediately if investigation confirms my dispute
☐ Notify all consumer reporting agencies (Equifax, Experian, TransUnion, and any others) to which you report of the corrections
☐ Cease furnishing the disputed information until investigation is complete
☐ Provide written confirmation of your investigation results and actions taken
☐ If you verify the information, provide the specific method of verification and all documents relied upon
☐ Mark the account as "disputed by consumer" during your investigation

NOTICE REGARDING DISPUTED INFORMATION

Pursuant to 15 U.S.C. § 1681s-2(a)(3), if you choose to continue furnishing information regarding this account while it is in dispute, you MUST include a notice that the information is disputed by the consumer.

ENCLOSED DOCUMENTATION

☐ Copy of government-issued photo identification
☐ Proof of current address (utility bill, bank statement, etc.)
☐ Copy of credit report showing disputed information
☐ [________________________________]
☐ [________________________________]
☐ [________________________________]

Consumer Signature: [________________________________]
Printed Name: [________________________________]
Date: [__/__/____]

PART II: IDENTITY THEFT AFFIDAVIT

FTC IDENTITY THEFT REPORT AND AFFIDAVIT

Important: Complete this affidavit if the disputed account resulted from identity theft. This document, combined with a police report, creates an Identity Theft Report under 15 U.S.C. § 1681c-2.

SECTION A: VICTIM INFORMATION

Full Legal Name: [________________________________]
Other Names Used (maiden name, aliases, etc.): [________________________________]
Current Address: [________________________________]
City, State, ZIP: [________________________________]
Previous Address (if moved in last 2 years): [________________________________]
Social Security Number: [________________________________]
Date of Birth: [__/__/____]
Driver's License Number: [________________________________] State: [____]
Telephone (Home): [________________________________]
Telephone (Work): [________________________________]
Telephone (Cell): [________________________________]
Email Address: [________________________________]

SECTION B: HOW THE FRAUD OCCURRED

When did you first discover the identity theft? [__/__/____]

How did you discover the identity theft?
☐ Reviewed my credit report
☐ Received a bill or collection notice for account I did not open
☐ Was denied credit
☐ Received notification from a company about suspicious activity
☐ Lost or had stolen: ☐ Wallet/Purse ☐ Mail ☐ Personal documents
☐ Data breach notification
☐ Other: [________________________________]

Do you know or suspect how the identity thief obtained your personal information?
☐ Theft of wallet/purse - Date: [__/__/____] Location: [________________________________]
☐ Theft of mail
☐ Data breach at: [________________________________]
☐ Someone I know (Name if known): [________________________________]
☐ Phishing email or fraudulent website
☐ Unauthorized access to personal records
☐ Unknown
☐ Other: [________________________________]

SECTION C: FRAUDULENT ACCOUNTS AND TRANSACTIONS

Account 1:
Creditor/Company Name: [________________________________]
Account Number: [________________________________]
Type of Account: [________________________________]
Date Opened: [__/__/____]
Amount of Fraud: $[________________________________]
☐ I have contacted this creditor
☐ I have disputed with credit bureaus

Account 2:
Creditor/Company Name: [________________________________]
Account Number: [________________________________]
Type of Account: [________________________________]
Date Opened: [__/__/____]
Amount of Fraud: $[________________________________]
☐ I have contacted this creditor
☐ I have disputed with credit bureaus

Account 3:
Creditor/Company Name: [________________________________]
Account Number: [________________________________]
Type of Account: [________________________________]
Date Opened: [__/__/____]
Amount of Fraud: $[________________________________]
☐ I have contacted this creditor
☐ I have disputed with credit bureaus

(Attach additional sheets if necessary)

SECTION D: DECLARATIONS

I declare under penalty of perjury under the laws of the United States of America that the following statements are true and correct:

1. I am a victim of identity theft.

2. I did NOT authorize anyone to use my name, Social Security number, or other personal identifying information to seek the accounts, credit, goods, services, or other benefits described in this affidavit.

3. I did NOT receive any benefit, money, goods, or services as a result of the transactions identified in this affidavit.

4. The information I have provided in this affidavit is true and correct to the best of my knowledge.

5. I understand that knowingly making false statements in this affidavit may subject me to criminal penalties under 18 U.S.C. § 1001 and other applicable laws.

6. I am willing to cooperate fully with any law enforcement agency investigating this matter.

7. I authorize the release of information about the fraudulent accounts described in this affidavit to law enforcement agencies, the furnisher(s), and consumer reporting agencies for the purpose of investigating this identity theft.

Victim Signature: [________________________________]
Printed Name: [________________________________]
Date: [__/__/____]

NOTARIZATION (if required by recipient):

State of Alaska
County/Borough of [________________________________]

Subscribed and sworn to before me this [____] day of [________________], 20[____].

Notary Public Signature: [________________________________]
My Commission Expires: [__/__/____]
Notary Seal:

PART III: IDENTITY THEFT BLOCK REQUEST

REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT

Pursuant to 15 U.S.C. § 1681c-2

Date: [__/__/____]

To:
☐ Equifax Information Services, LLC
P.O. Box 105069, Atlanta, GA 30348

☐ Experian
P.O. Box 4500, Allen, TX 75013

☐ TransUnion LLC
P.O. Box 2000, Chester, PA 19016

☐ Furnisher: [________________________________]
Address: [________________________________]

CONSUMER INFORMATION

Name: [________________________________]
Address: [________________________________]
City, State, ZIP: [________________________________]
Social Security Number: [________________________________]
Date of Birth: [__/__/____]

REQUEST FOR BLOCK

Pursuant to 15 U.S.C. § 1681c-2 (FCRA Section 605B), I hereby request that you block the reporting of the following information in my consumer file, which resulted from identity theft:

Information to be Blocked:

REQUIRED DOCUMENTATION ENCLOSED

Under 15 U.S.C. § 1681c-2(a), I am providing:

☐ Identity Theft Report consisting of:
☐ FTC Identity Theft Affidavit (Part II of this packet)
☐ Police Report (copy enclosed) - Report Number: [________________________________]
Law Enforcement Agency: [________________________________]
Date Filed: [__/__/____]

☐ Proof of Identity:
☐ Copy of government-issued photo ID (driver's license, state ID, passport)
☐ Copy of Social Security card or W-2 form

☐ Proof of Address:
☐ Utility bill dated within last 60 days
☐ Bank or credit card statement
☐ Other: [________________________________]

☐ Statement Identifying Information to Block (this document)

LEGAL REQUIREMENTS

Under 15 U.S.C. § 1681c-2, you are required to:

1. Block within 4 Business Days - Block the reporting of any information I have identified as resulting from identity theft not later than 4 business days after receiving this request with the required documentation;

2. Notify Furnisher - Promptly notify the furnisher of the information that the information may be a result of identity theft;

3. Maintain Block - Continue to block this information unless you determine that:
   - I made a material misrepresentation of fact; or
   - I obtained possession of goods, services, or money as a result of the blocked transaction;

4. Provide Notice Before Rescinding - If you decline to block or rescind the block, you must notify me promptly with the reasons for your determination.

STATEMENT

I certify that the information identified for blocking does not relate to any transaction by me. The information resulted from identity theft, and I did not authorize the opening of the accounts or the transactions in question.

Consumer Signature: [________________________________]
Printed Name: [________________________________]
Date: [__/__/____]

PART IV: FRAUD ALERT REQUEST

REQUEST FOR FRAUD ALERT PLACEMENT

Pursuant to 15 U.S.C. § 1681c-1

Date: [__/__/____]

To (send to ONE credit bureau - they must notify the other two):
☐ Equifax - P.O. Box 105069, Atlanta, GA 30348 | Phone: 1-800-525-6285
☐ Experian - P.O. Box 4500, Allen, TX 75013 | Phone: 1-888-397-3742
☐ TransUnion - P.O. Box 2000, Chester, PA 19016 | Phone: 1-800-680-7289

CONSUMER INFORMATION

Name: [________________________________]
Current Address: [________________________________]
City, State, ZIP: [________________________________]
Social Security Number: [________________________________]
Date of Birth: [__/__/____]
Telephone for Verification: [________________________________]

TYPE OF FRAUD ALERT REQUESTED

☐ Initial Fraud Alert (1 Year)
I am requesting an initial fraud alert under 15 U.S.C. § 1681c-1(a). This alert shall remain in my file for not less than 1 year and requires businesses to take reasonable steps to verify my identity before extending credit.

☐ Extended Fraud Alert (7 Years) - Requires Identity Theft Report
I am a victim of identity theft and am requesting an extended fraud alert under 15 U.S.C. § 1681c-1(b). I have enclosed an Identity Theft Report. This alert shall remain in my file for 7 years.

☐ Active Duty Military Alert (1 Year)
I am a member of the Armed Forces on active duty and am requesting an active duty alert under 15 U.S.C. § 1681c-1(c).

CONTACT INFORMATION FOR VERIFICATION

When this fraud alert is in effect, please include the following telephone number(s) for businesses to contact for identity verification before extending credit:

Primary Telephone: [________________________________]
Secondary Telephone: [________________________________]

OPT-OUT FROM PRESCREENED OFFERS

☐ I also request to be excluded from lists for prescreened credit offers for 5 years pursuant to 15 U.S.C. § 1681b(e).

Consumer Signature: [________________________________]
Printed Name: [________________________________]
Date: [__/__/____]

PART V: ALASKA CREDIT FREEZE REQUEST

SECURITY FREEZE REQUEST UNDER ALASKA LAW

Pursuant to AS 45.48.100 - 45.48.290

Date: [__/__/____]

To:
☐ Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 | Online: equifax.com/personal/credit-report-services
☐ Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 | Online: experian.com/freeze
☐ TransUnion Security Freeze, P.O. Box 160, Woodlyn, PA 19094 | Online: transunion.com/freeze

CONSUMER INFORMATION

Name: [________________________________]
Current Address: [________________________________]
City, State, ZIP: [________________________________]
Previous Address (if moved in last 2 years): [________________________________]
Social Security Number: [________________________________]
Date of Birth: [__/__/____]

SECURITY FREEZE REQUEST

Pursuant to the Alaska Personal Information Protection Act, AS 45.48.100 et seq., I hereby request that you place a security freeze on my consumer credit report and credit score. Under Alaska law, a security freeze prohibits you from releasing my credit score or any information in my credit report without my express authorization.

ALASKA LAW REQUIREMENTS

Under AS 45.48.110, you must:

1. Place Freeze Within 5 Business Days - Place the security freeze within 5 business days after receiving this request and proper identification;

2. Send Written Confirmation Within 10 Business Days - Send written confirmation of the security freeze placement within 10 business days;

3. Provide PIN/Password - Provide me with a unique personal identification number, password, or similar device to be used when I authorize release of my credit report or credit score;

4. Maintain Freeze - Keep the security freeze in place until I request its removal or temporary lift.

DOCUMENTATION ENCLOSED

☐ Copy of government-issued photo identification
☐ Copy of Social Security card, W-2, or pay stub showing SSN
☐ Proof of current address (utility bill, bank statement dated within 60 days)
☐ Police report or FTC Identity Theft Report (if identity theft victim)

RIGHTS UNDER ALASKA LAW (AS 45.48.170)

I understand that under Alaska law:

• The security freeze will prohibit release of my credit score and credit report without my express authorization
• I may temporarily lift or permanently remove the freeze at any time by providing proper identification and my PIN
• Certain entities are exempt from the freeze, including existing creditors, law enforcement, and child support enforcement agencies
• If I suffer damages from a violation of AS 45.48.100-290, I may bring a civil action and recover actual economic damages, court costs, and attorney's fees
• For knowing violations, I may recover punitive damages up to $5,000 per violation

Consumer Signature: [________________________________]
Printed Name: [________________________________]
Date: [__/__/____]

PART VI: FURNISHER RESPONSE REQUIREMENTS AND TIMELINES

WHAT TO EXPECT FROM THE FURNISHER

Investigation Timeline

Under the FCRA and 12 C.F.R. § 1022.43, furnishers must:

Required Elements of Furnisher Response

The furnisher must provide you with written notice containing:

☐ Statement that the investigation is complete
☐ Determination of whether disputed information is inaccurate
☐ If inaccurate: Statement that information will be deleted or modified
☐ If verified: Explanation of verification method and documents relied upon
☐ Notice of your right to add a statement of dispute to your file
☐ Notice of your right to request documents supporting verification

What Furnishers CANNOT Do

Under 12 C.F.R. § 1022.43 and CFPB guidance, furnishers may NOT:

☐ Ignore direct disputes that meet regulatory requirements
☐ Require specific formats not authorized by statute or regulation
☐ Require attachments beyond what the statute permits
☐ Conduct cursory "investigations" that simply verify their own records
☐ Refuse to investigate because they believe the dispute is without merit
☐ Refurnish information that has been blocked due to identity theft

Frivolous Dispute Determinations

A furnisher may only determine your dispute is frivolous if:

☐ You failed to provide sufficient information to investigate
☐ The dispute is substantially the same as a previous dispute already investigated
☐ A regulatory exception applies

If deemed frivolous, the furnisher must notify you within 5 business days, explaining:

• The reasons for the determination
• What additional information is needed to investigate

PART VII: ESCALATION TO CFPB

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT GUIDE

When to File a CFPB Complaint

File a complaint with the CFPB if:

☐ The furnisher failed to respond to your dispute within 30 days
☐ The furnisher's investigation was inadequate or unreasonable
☐ The furnisher verified inaccurate information without proper investigation
☐ The furnisher refuses to investigate your dispute
☐ Inaccurate information continues to appear after dispute
☐ The furnisher failed to mark the account as disputed during investigation
☐ You suffered harm due to FCRA violations

How to File

Online: www.consumerfinance.gov/complaint
Phone: (855) 411-CFPB (2372)
Mail: Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, IA 52244
Fax: (855) 237-2392

Information to Include in CFPB Complaint

☐ Your contact information
☐ Name and contact information of the furnisher
☐ Account number(s) involved
☐ Detailed description of the problem
☐ Steps you have already taken (dates of disputes, responses received)
☐ What resolution you are seeking
☐ Supporting documents (redact Social Security numbers)

CFPB Complaint Process

1. Submit Complaint - CFPB forwards your complaint to the company
2. Company Response - Company has 15 days to respond and 60 days to provide final response
3. Review Response - You have 60 days to review and provide feedback
4. CFPB Review - CFPB reviews complaints for patterns of violations

Section 611(e) Escalation Process

If the furnisher fails to resolve your dispute, you may escalate through the CFPB under FCRA Section 611(e). The CFPB will review whether the furnisher met its legal obligations, and may take enforcement action for systemic violations.

PART VIII: ALASKA-SPECIFIC PROTECTIONS

ADDITIONAL RIGHTS UNDER ALASKA LAW

Alaska Personal Information Protection Act (AS 45.48)

Data Breach Notification (AS 45.48.010-090):

• Businesses must notify you within 45 days of discovering a breach involving your personal information
• Notification must include description of the incident, type of information involved, and contact information

Credit Report Security Freeze (AS 45.48.100-290):

• Right to place, temporarily lift, or remove security freeze
• CRA must place freeze within 5 business days
• CRA must lift freeze within 3 business days of your request (or 15 minutes if requested online)
• No fee may be charged for placing, lifting, or removing a freeze

Identity Theft Victim Declaration (AS 45.48.600+):

• If an identity thief was arrested, cited, or convicted using your identity, you may petition Alaska Superior Court for a declaration of factual innocence
• The Department of Law may maintain a database of identity theft victims who have received such an order

Alaska Attorney General Consumer Protection

For identity theft assistance:
Office of the Attorney General
Consumer Protection Unit
1031 W. 4th Avenue, Suite 200
Anchorage, AK 99501
Phone: (907) 269-5200
Website: law.alaska.gov/department/civil/consumer/IDtheft.html

Civil Remedies Under Alaska Law

Under AS 45.48.180, if you suffer damages from a violation of the security freeze provisions:

For Negligent Violations:

• Actual economic damages
• Court costs
• Full reasonable attorney's fees

For Knowing Violations:

• Actual economic damages
• Punitive damages up to $5,000 per violation
• Court costs
• Full reasonable attorney's fees

PART IX: DOCUMENTATION CHECKLIST

REQUIRED DOCUMENTS FOR DISPUTE PACK

For All Disputes

☐ Government-issued photo ID (driver's license, state ID, passport)
☐ Proof of current address dated within 60 days:
☐ Utility bill (electric, gas, water, phone)
☐ Bank statement
☐ Credit card statement
☐ Lease or mortgage statement
☐ Copy of credit report showing disputed information
☐ Copy of this completed dispute letter

For Inaccuracy Disputes

☐ Documentation supporting correct information:
☐ Payment receipts or canceled checks
☐ Account statements showing correct balance
☐ Settlement agreements or paid-in-full letters
☐ Correspondence with creditor
☐ Court documents (bankruptcy discharge, judgment satisfaction)
☐ [________________________________]

For Identity Theft Disputes

☐ Completed Identity Theft Affidavit (Part II)
☐ Police report with report number
☐ FTC Identity Theft Report from IdentityTheft.gov
☐ Copy of Social Security card, W-2, or other proof of SSN
☐ Any documentation of the fraudulent account (statements, collection letters)

For Mixed File Disputes

☐ Documentation showing your correct information differs from reported information
☐ Evidence that information belongs to another person (different address history, employer, etc.)

RECORD-KEEPING LOG

MAILING INSTRUCTIONS

1. Always send via Certified Mail, Return Receipt Requested for proof of delivery
2. Keep copies of all documents sent
3. Record tracking numbers in the log above
4. Calculate deadlines - 30 days from date of receipt (add 5-7 days for mail delivery)
5. Follow up if no response within deadline

PART X: FURNISHER CONTACT INFORMATION

MAJOR FURNISHER DISPUTE ADDRESSES

Credit Card Issuers:

• American Express: P.O. Box 981535, El Paso, TX 79998
• Bank of America: P.O. Box 982238, El Paso, TX 79998
• Capital One: P.O. Box 30285, Salt Lake City, UT 84130
• Chase: P.O. Box 15299, Wilmington, DE 19850
• Citibank: P.O. Box 6500, Sioux Falls, SD 57117
• Discover: P.O. Box 30943, Salt Lake City, UT 84130

Major Banks:

• Wells Fargo: P.O. Box 5765, Sioux Falls, SD 57117

Consumer Reporting Agencies:

• Equifax: P.O. Box 740256, Atlanta, GA 30374
• Experian: P.O. Box 4500, Allen, TX 75013
• TransUnion: P.O. Box 2000, Chester, PA 19016

Note: Always verify current addresses on your credit report or the creditor's website, as addresses may change.

IMPORTANT NOTICES

This document pack is designed to assist Alaska consumers in exercising their rights under federal and state consumer protection laws. The forms and information provided are for educational purposes and do not constitute legal advice.

Before using these documents, you should:

1. Review all applicable laws and regulations
2. Consult with a qualified attorney licensed in Alaska
3. Verify all addresses and contact information are current
4. Customize the forms to your specific situation
5. Keep copies of all documents and correspondence

Federal law prohibits making false statements in an identity theft report. Under 18 U.S.C. § 1001, knowingly making false statements to a federal agency is punishable by fine and imprisonment.