To dispute a denial effectively, start by requesting a detailed explanation from the creditor. Under the FCRA, you’re entitled to know why your claim was denied and what evidence was considered. This information helps you identify gaps or errors in your original submission and prepare a more robust dispute.
Next, gather all supporting documentation. This should include your FTC identity theft report, police report, written dispute letter, proof of identity (such as a driver’s license), and any records that show the account wasn’t yours—like emails, travel receipts, or employment records. Attach all documents with a cover letter clearly explaining the situation and restating your demand to remove the fraudulent account.
Send the complete dispute package via certified mail to both the creditor and the credit bureaus (Experian, Equifax, and TransUnion). Keep a copy of everything you send. By submitting to both parties, you increase your chances of having the information corrected and protect your credit score from further harm.
If the creditor still refuses to correct the record or investigate thoroughly, you can escalate the matter by filing a complaint with the Consumer Financial Protection Bureau or seeking legal assistance. Holding the creditor accountable ensures your credit report remains accurate and your identity is protected.
