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FCRA 605B · Guide

Proof of Address for Credit Bureau Disputes

Proof of address helps agencies match your identity to current records. Bank statements are commonly used—but not the only acceptable form of verification.

Why proof of address matters

Mismatched addresses between your letter, ID, and report can trigger requests for more documentation.

Examples consumers often use

  • Bank statement (commonly used, not mandatory)
  • Utility bill in your name
  • Lease agreement
  • Insurance statement
  • Official government correspondence

Bank statements are not mandatory. Use another acceptable document if that fits your situation and the recipient’s requirements.

Redaction caution

You may redact nonessential account transaction detail if you wish, but preserve your name, address, and any identifiers the recipient needs to verify you.

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Frequently asked questions

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Related guides

FCRA 605B Guide (main hub)Identity Theft Dispute PacketProof of identityFTC Identity Theft Report
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