Best Way to File a Dispute Letter for an Unrecognizable Account on Your Credit Report

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Dispute Letter for an Unrecognizable Account on Your Credit Report

Submitting a is the only way to secure your identity and ensure you are not involved in any fraudulent activities. These cases are common, especially if you applied for an account through your creditor and forgot about it, or it could be a case of fraud and identity theft.

Imagine noticing an account on your credit report, and you don't remember opening it. It's an uncomfortable situation, and you'd want to resolve it as fast as possible. Unfortunately, the laid down procedures are tedious and time-consuming, such that the problem gets worse before it's resolved.

However, DoNotPay offers a faster and less frustrating way to deal with such a case. They analyze the situation, ask for all the relevant information and documents, and then handle the case until you get your desired results.

Sample Dispute Letter for Unrecognizable Account on Credit Report

Dispute letters must provide enough information and specific accounts on the disputed matter so that it's easier to follow through and solve it. A dispute letter should have four sections: your personal information, the company's information, the dispute, and enclosures.

Personal informationWrite your full name, account number, date of birth, and date of application. You can also include your driver's license number and social security number, but it's optional. For example:

Name: Amanda Collins

Account no.: 1234-56789

DOB: 08-01-1981

Address: 1023 Main Street

SSN: 123-45-6789 (optional)

Ensure that the information you give matches with your other documents.

Company informationThis will only include the company's name and address. Skip a line from your personal information and then write the company's information. For example:

Green River Bank

1234 Green Riverway

Evergreen Park, EN 1234

DisputeAfter writing the addresses, you can now explain your dispute while providing all the relevant information. For example:

Dear Sir/Madam,

I'm writing to request an investigation on the following account whose information appears on my credit report as I do not recognize the account.

Account #1234-56789

Credit report date 03-01-2018

Explanation: [You can go ahead and explain your dispute, providing any relevant information about it. You can also request that they freeze this account until investigations are complete and the issue is solved.]

EnclosuresThis section should list all the documents you have attached to this letter to aid with the investigation. These include a copy of your credit report showing the unrecognized account, previous billing statements, etc.

After the enclosures, you can sign off your letter with a 'Thank you note and your name.

If the issue is not resolved as fast as you would expect, you can always escalate the matter to higher institutions because if the matter is left unattended, it can cause bigger problems.

How to Dispute an Unrecognizable Account on Your Credit Report by Yourself

If you notice an unrecognized account on your credit report, you must take immediate steps to solve the issue. Your creditor might have opened the account upon your request, and if that's the case, they'll remind you about it. Problem solved.

However, it could be a serious case of identity theft or fraud, which should be dealt with immediately before the issue gets worse. Here's what to do when you find an unrecognizable account on your credit report:

  1. Contact your creditor through a dispute letter – If your creditor accepts phone calls, you can make one right away. However, if you choose to write a dispute letter, follow the prescribed format and attach all the necessary documents.
  2. Compare three credit reports from other financial institutions – You can get your credit report from other institutions and compare their details. Check whether the unrecognizable account appears in all the credit reports or just one. This information should give you an idea of whether you are dealing with a fraud case or a genuine case.
  3. Escalate the matter to FTC – Once you confirm it's a fraud case, file an identity theft case with FTC through an online complaint form. You'll get an Identity Theft Affidavit from FTC, which you can use to file a complaint at the police station. Ensure that you print the affidavit as it is a critical document in the investigation.
  4. Send a letter to your creditor requesting account closure – You can request your creditor to freeze or close the account as investigations are ongoing. Also, this will prevent any further fraudulent activities through the account. Your creditor will have 30 days to respond to your letter and confirm account closure.
  5. Follow up to ensure the account is closed – Matters involving identity theft and fraud are sensitive, and you shouldn't trust anybody's word, even your creditor. Therefore, do your due diligence and ensure that the account is closed.

How to Dispute Unrecognizable Account on Your Credit Report Using DoNotPay

Doing it yourself is overly tedious. You have to draft letters and do a lot of follow up before any action is taken. However, DoNotPay will do everything for you, and you'll get your results in no time. This is what you should do:

  1. Go to Clean Credit Report on DoNotPay.
  2. Prepare a recent copy of your credit report that you can use as a reference.
  3. Specify your issue as an unrecognizable account on the credit report.
  4. Let DoNotPay contact your creditor for you and get everything fixed.

Easy, right?

Why Use DoNotPay to Dispute Unrecognizable Accounts on Credit Report?

If your heart is pounding after seeing an and you don't know where to start, you can start with DoNotPay. DoNotPay is:

  • Fast – You'll have your credit report error fixed in the shortest time possible as they contact your creditors and follow up consistently until everything is solved.
  • Reliable – You can trust DoNotPay to fix your credit report problem without fail.
  • Convenient – You won't need to endure long lines or persistent follow-ups because DoNotPay will do that for you.

What Else Can DoNotPay Do For Cleaning Up Credit Reports?

Filing isn't all you can accomplish with DoNotPay. Look at these other credit score related issues you can navigate using DoNotPay:

Credit report issues can deny you access to the most basic of things. That's why you must always maintain a clean one. If you are stuck on how to go about it, check out DoNotPay's product page for a clean credit report and get started.

Want your issue solved now?