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FCRA 605B · Guide

Proof of Identity for Credit Disputes

Consumer reporting agencies must verify that the person requesting a block or investigation is the consumer. Government-issued ID is the most common verification document.

Why identity verification matters

Without ID, agencies may delay or deny a request because they cannot confirm who is making it. Clear copies reduce back-and-forth.

Acceptable examples

  • Driver's license (front and back when applicable)
  • State identification card
  • Passport (copy of identification page)

Name and address matching

The name on your ID should match the name on your dispute letter and report. If you recently changed your name, include supporting explanation or documents.

Privacy and recordkeeping

Send copies to the recipient only—do not share ID images on social media or unsecured channels. Keep your own encrypted backup of what you mailed.

Prepare your identity theft dispute packet with organized report findings and documentation.

Start Your Identity Theft Packet

Prepare your identity theft dispute packet with organized report findings and documentation.

Start Your Identity Theft Packet
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