What you can request
Depending on circumstances, you may ask a consumer reporting agency to block information under FCRA 605B or dispute accuracy through other processes. The right path depends on whether the account resulted from identity theft.
Exact identification matters
- Creditor or furnisher name as shown on the report
- Partial or masked account number
- Date opened or reported
- Balance and status if relevant
- Which bureau furnished the data
Examples
- Unauthorized credit card tradelines
- Collection accounts from identity theft
- Specialty bureau entries you did not authorize
Documentation
Pair account-specific disputes with your full identity theft packet.
Turn report findings into organized documentation you can use in your own correspondence.
Review Fraudulent Accounts →One-time pricing, no subscription. See pricing
Frequently asked questions
You may request blocking under FCRA Section 605B with an FTC Identity Theft Report, proof of identity, exact identification of each item, and a statement that the information does not relate to any transaction of yours — or dispute accuracy under Section 611 when identity theft is not the cause. Which path applies depends on your facts, and no outcome is guaranteed.
Exact identification of each disputed item: the creditor or furnisher name as shown on the report, a partial or masked account number, the date opened or reported, and which bureau lists it — paired with your identity theft packet documentation.
Turn report findings into organized documentation you can use in your own correspondence.
Review Fraudulent Accounts →One-time pricing, no subscription. See pricing
Related guides
605b.ai is not a law firm and does not provide legal advice. Consumers should evaluate their individual circumstances and consult qualified professionals where appropriate. 605b.ai does not guarantee that any item will be deleted, blocked, corrected, or changed.