Create the official recovery record
Use IdentityTheft.gov to report genuine identity theft and generate a recovery plan. List each fraudulent account or transaction accurately; do not include legitimate debts or use identity-theft procedures as a general credit-repair tactic.
Prepare the blocking request
CFPB guidance describes a package including an identity-theft report, proof of identity, and a letter identifying the fraudulent debts or information. Follow each reporting company's submission requirements and keep the records secure.
- Official identity-theft report
- Identity proof
- Fraudulent-item list
- Request letter
- Delivery receipt
Protect against new activity
Consider a credit freeze and monitor reports and account notices. A freeze limits legitimate access too, so record how to lift it when needed. Change compromised credentials directly with the relevant institutions and use a live authorized person for sensitive help.
Common questions
Clear answers, clear limits.
How quickly must fraudulent information be blocked?
CFPB guidance describes a four-business-day block after a reporting company receives the required request and documentation, subject to legal conditions and exceptions.
Is a freeze the same as an identity-theft block?
No. A freeze limits access to the file; a block concerns identified information resulting from identity theft.
Can I send identity documents through public chat?
No. Use only a verified secure process authorized for sensitive documents.