DIRECT DISPUTE / IDENTITY THEFT BLOCK REQUEST

To: [Furnisher Name/Address]
From: [Consumer Name/Address]
Date: [DATE]
Account No.: [####]

1. DISPUTE

• I dispute this account as reported. Reasons: [Not mine/paid/incorrect balance/obsolete/identity theft/etc.].
• Please conduct a reasonable investigation under 15 U.S.C. § 1681s-2(a)(8), correct/delete inaccurate information, and notify all CRAs to which you furnish data.

2. IDENTITY THEFT BLOCK (IF APPLICABLE)

• This account resulted from identity theft. Under 15 U.S.C. § 1681c-2, block reporting of this information to CRAs.
• Included: identity theft report (police/FTC), government ID, proof of address.

3. REQUESTED ACTION

• Update or delete the account as appropriate; mark as disputed; provide written confirmation of actions taken.
• If you verify the account, provide the method of verification and documents you relied on.

4. ATTACHMENTS

• Identity documents and proof of address.
• Police report/FTC ID theft affidavit (if ID theft).
• Payment proofs/settlements/correspondence supporting the dispute.
• Recent CRA report showing how you are reporting the account.

Signed:
[Consumer Name]
Sent via certified mail, return receipt requested.

[// GUIDANCE: New York law may provide additional identity theft protections; cite as appropriate.]