Definition in plain English
When information on your credit report appears because someone else used your identity—not because you opened or authorized an account—you may have options beyond a standard accuracy dispute.
Blocking under 605B is tied to identity theft documentation and specific identification of the information at issue. It is not a guarantee of removal.
Identity theft blocking vs. generic disputes
A generic dispute might challenge balance or payment status on an account you recognize. A 605B-related request typically asserts the account, inquiry, or personal information resulted from identity theft and includes an identity theft report and verification documents.
What types of information may be involved
- Unauthorized tradelines and collection accounts
- Hard inquiries you did not authorize
- Incorrect personal information tied to the theft
- Some specialty reporting items, depending on the agency
Why documentation matters
Agencies review packets—not intentions. Organized exhibits reduce delays and support clearer responses.
How 605b.ai helps
605b.ai helps you analyze reports, list suspicious items, and organize packet materials you send yourself. It does not provide legal advice or act on your behalf.
Analyze your report and organize suspicious items for your own dispute workflow.
Analyze Your Credit Report →Frequently asked questions
Analyze your report and organize suspicious items for your own dispute workflow.
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