Identity theft report

The report turns a claim into a remedy. With it, you can ask each bureau to block fraudulent accounts and inquiries under section 605B within four business days, place a seven-year extended fraud alert, and use it to close fraudulent accounts with each company involved. The FTC's recovery guide walks through filing at IdentityTheft.gov and then working through each account.

Filing states that a crime occurred, so use it only for real identity theft. Claiming theft to remove accounts that are yours is a false statement with legal risk, and a bureau can decline or rescind a block it reasonably finds was based on misrepresentation. If someone else's accounts were merged into your file without any fraud, that's a mixed file, handled with a standard dispute.