Credit Report Freeze Letter Template (instructions incld)

Ali Zane

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If you’re tired of worrying about identity theft or unauthorized access to your credit, it might be time to consider doing credit freeze. and fraud alerts under the Fair Credit Reporting Act provisions.

Designed for anyone looking to protect their personal information—especially identity theft victims—a credit freeze prevents creditors from accessing your credit report without your permission, making it nearly impossible for thieves to open new accounts in your name.

This post will guide you through what a credit freeze does, who should consider it, and how it can offer you peace of mind as you secure your financial future.

Sample credit report freeze letter template

[Your Name]
[Your Address]
[City, State, ZIP]
[Phone Number]
[dob / SSN] [Date]

Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348

Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

TransUnion Fraud Victim Assistance Dept.
P.O. Box 2000
Chester, PA 19016

Innovis Consumer Assistance
P.O. Box 26
Pittsburgh, PA 15230-0026

Subject: Security Freeze Request and Fraud Alert – Identity Theft Victim (FCRA Section 605B)

To whom it may concern,
I am writing to request a security freeze be placed on my credit file, as allowed under the Fair Credit Reporting Act (FCRA). As a victim of identity theft, I also request that a fraud alert be placed on my account in accordance with Section 605B of the FCRA. This statute gives identity theft victims the right to have fraudulent information removed from their credit report and mandates the placement of an extended fraud alert.

For your reference, here are my personal details:
• Previous Address (if applicable, lived at current address less than 2 years): ______________________________________
• Date of Birth: ______________________________________
• Social Security Number: ______________________________________

Please ensure that a fraud alert is placed on my credit report, and I request written confirmation once the freeze and alert are in place. You may reach me by phone should you require further information.

My Phone # _________________________________

Thank you for your prompt assistance.

Sincerely,
[Your Signature]
[Your Printed Name]

Enclosed: picture ID, recent utility bill

Instructions on sending the credit bureau freeze letter:

  • Add copy of your picture ID card
  • Add copy of recent utility bill or bank statement page (no older than 2 months) , showing your name and current mailing address
  • Mail via certified return receipt mail to each of the 3 bureaus, save the green slip, Make sure to track if letter is received or not

Similar read: How to remove a 30-day late payment

Similar read: Guide to Recover from Identity theft

If an ID thief has opened accounts or made fraudulent charges on your card, our firm can help:

We consult and guide on this issue for free.

If you are SURE that negative items are on your credit report or know which exact charges are fraudulent, then

book a consult with us.

We’ve helped restore the credit of hundreds of identity theft victims and have the Yelp Review to show for it.

By emailing us at: [email protected]

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Ali Zane

Ali is a credit repair advocate with nearly 20 years of experience providing his clients with high-level access to resources that resolve their credit problems. Ali became involved in the credit repair industry following his concern for a lack of ethical and effective credit repair services for consumers and mortgage lending professionals. He has written extensively on credit/finance and is a sought-after public speaker.

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