Subject: Urgent Letter to Creditors in New York — Identity Theft for New Accounts [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Creditors' Name] [Creditors' Address] [City, State, ZIP Code] Dear [Creditors' Name], RE: NOTIFICATION OF IDENTITY THEFT FOR NEW ACCOUNTS IN NEW YORK I hope this letter finds you in good health and high spirits. I am writing to you today to bring to your attention a severe and distressing matter regarding my identity being fraudulently used to open unauthorized accounts within your institution. I regret to inform you that I have recently discovered several fraudulent credit accounts that have been opened under my name without my knowledge or consent. These accounts have been established by an individual or an organization who has stolen my personal information, including my social security number, date of birth, and other relevant details required for account creation. As a victim of identity theft, I am highly concerned about the potential ramifications and the impact it may have on my creditworthiness and financial stability. Therefore, under the Fair Credit Reporting Act (FCRA) and the New York Identity Theft Prevention and Mitigation Act, I kindly request your immediate assistance in resolving this distressing matter. I have taken the following steps to address this identity theft issue: 1. Reporting Identity Theft: As soon as I discovered the fraudulent accounts, I filed a report with the local law enforcement agency and obtained an Incident Report Number, which is [Reference Number]. I have enclosed a copy of this report for your reference. 2. Contacting Credit Bureaus: I have informed all three major credit reporting bureaus, Equifax, Experian, and TransUnion, about the identity theft incident. I have included copies of the relevant dispute letters and any related correspondence for your records. 3. Fraud Alerts and Security Freezes: In an effort to minimize further fraudulent activities, I have placed fraud alerts and security freezes on my credit report. Consequently, I kindly request that you exercise utmost caution and conduct thorough verification procedures before opening any new accounts or extending credit in my name. 4. Credit Monitoring and Reporting: I have enrolled in a credit monitoring service to keep a close eye on my credit activity. Any suspicious accounts or transactions will be promptly reported to the appropriate authorities, and all efforts will be made to assist in identifying the responsible party. Given the severity of this situation, I kindly request that you immediately suspend any and all account activities associated with my name, as well as refrain from engaging in any debt collection activities related to the fraudulent accounts. Furthermore, I request that you investigate the accounts in question and provide me with a detailed report of the fraudulent transactions or activities within 30 days, as required by law. Please be aware that I hold no liability for the debts incurred through these fraudulent accounts. I appreciate your understanding, cooperation, and prompt action in rectifying this matter. To assist your investigation, I have attached relevant supporting documents, including copies of the fraudulent account statements, credit reports, and any other necessary evidence. If you require further information or clarification, please do not hesitate to contact me at the provided contact details. I am prepared to assist you fully, including providing any additional documentation or information required to expedite this resolution process. Finally, I would greatly appreciate your advice on any further actions that should be taken to mitigate the repercussions of this identity theft incident. Thank you for your immediate attention to this grave matter. I look forward to your prompt response and a swift resolution. Yours sincerely, [Your Name]
New York Letter to Creditors Notifying Them of Identity Theft for New Accounts
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FAQ
Bank fraud: New bank accounts, existing bank accounts and payment methods, such as debit cards, electronic fund transfers and automatic clearinghouse (ACH) payments, are a leading playground for identity thieves.
Identity theft happens when someone takes your name and personal information (like your social security number) and uses it without your permission to do things like open new accounts, use your existing accounts, or obtain medical services.
New account fraud occurs when a fraudster or money mule has been successfully onboarded by a financial institution after applying using their own identity (first-party fraud), a stolen identity (third-party fraud) or a synthetic identity.
I am a victim of identity theft, and did not make the charge(s). I am requesting that the item(s) be blocked to correct my credit report. Enclosed are copies of (describe any enclosed documents) supporting my position. Please investigate this (these) matter(s) and block the disputed item(s) as soon as possible.
Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Warning signs of identity theft Bills for items you did not buy. Debt collection calls for accounts you did not open. Information on your credit report for accounts you did not open. Denials of loan applications. Mail stops coming to, or is missing from, your mailbox.
Synthetic identity theft. In synthetic identity theft, ID thieves create identities using or real information, or a combination of the two. For instance, an identity thief might use a real Social Security number combined with a name that's not associated with that number.
I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable).
I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable).
Why accounts are opened in other people's names. Scammers may open a bank account fraudulently in someone else's name to bounce checks or overdraw the account. Others may intend to use the account for storing illicitly obtained funds.
