Subject: Urgent Notification: Identity Theft Incident — New Jersey Dear [Creditor's Name], I am writing to bring attention to a critical matter that requires your immediate assistance in resolving potential identity theft involving my personal information. As a resident of New Jersey, I am taking proactive steps to protect my financial well-being and restore my credit by addressing this unfortunate situation promptly. I recently discovered that my identity has been compromised, which has resulted in unauthorized utilization of my personal details by an unknown individual or organization. This illegal activity has led to fraudulent accounts and transactions under my name with your esteemed institution. I have attached supporting evidence and relevant documentation for your reference. The purpose of this letter is to formally notify you of this incident and request your cooperation in rectifying the unauthorized activity on my accounts. I kindly ask you to acknowledge this notice as an official record of the identity theft, and take the following actions as required by law: 1. Freeze or Close Affected Accounts: Please initiate an immediate freeze or closure on any accounts associated with my name or social security number that have been compromised. This will ensure no further unauthorized transactions occur. 2. Investigation and Documentation: Conduct a thorough investigation into the fraudulent activities attached to my identity. Gather all necessary supporting documentation, including transaction records, applications, and any other relevant information regarding the unauthorized accounts. 3. Clearing Fraudulent Charges: Immediately remove any fraudulent charges or obligations from my account, and make sure they do not reappear in future billing cycles. Also, ensure that these charges do not negatively impact my credit score or creditworthiness. 4. Identity Theft Report: As required by law, please provide me with a written identity theft report or police report number confirming that you have acknowledged the incident and have initiated the necessary steps to help mitigate damages. 5. Protecting Future Accounts: Advise me on any additional security measures or preemptive actions that I should take to safeguard my personal and financial information further. This may include guidance on creating stronger passwords, enabling two-factor authentication, or utilizing fraud alert services. I understand that resolving this matter promptly may require some time and effort, and your cooperation is crucial in ensuring a swift and satisfactory resolution. Moreover, I kindly request you to provide me with regular updates on the progress of this investigation and any actions taken to protect my interests. In accordance with the Fair Credit Reporting Act (FCRA) and New Jersey state laws, I am also notifying the New Jersey Division of Consumer Affairs' Identity Theft Unit, as well as the Federal Trade Commission (FTC), about this incident. Their contact information is provided below: New Jersey Division of Consumer Affairs' Identity Theft Unit: [Address] [Phone number] [Website] Federal Trade Commission (FTC): [Address] [Phone number] [Website] I deeply regret these circumstances, and I assure you that I will cooperate fully throughout this process to resolve this matter swiftly and efficiently. I sincerely hope that your institution will extend its utmost support and prioritize the resolution of this identity theft incident. Please consider this letter as an urgent matter, and I look forward to your prompt attention and assistance in resolving this issue. Thank you for your immediate cooperation in protecting my financial integrity. Yours sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone number] [Email address]
New Jersey Letter to Creditors notifying them of Identity Theft
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