We file the FTC report for you
An FTC Identity Theft Report at IdentityTheft.gov is the foundation of an §605B block. We help you file it correctly so it's not rejected.
Identity theft response
Identity-theft accounts come off in 4 business days.
FCRA §605B gives identity-theft victims the strongest possible dispute right. With an FTC Identity Theft Report, credit bureaus must block fraudulent items within 4 business days — much faster than the standard 30-day reinvestigation. We file the report and the dispute together.
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Sound familiar?
If any of this is happening to you, we can help.
Account opened in your name without permission
Credit card you didn't apply for
Loan, lease, or utility account you don't recognize
Mailed denial letters for credit you didn't apply for
Tax refund seized for a debt you didn't incur
Collection notices for accounts that aren't yours
How we handle it
The procedural side, on autopilot.
We send §605B blocks to all 3 bureaus
The bureaus must block the fraudulent items within 4 business days. We submit the block notice with the FTC report attached and follow up at the 4-day mark.
We push back on furnisher reinsertion
Sometimes furnishers try to re-report fraud accounts after a block. FCRA §605B(e) requires them to verify and notify you in writing first. We catch reinsertion and file complaints when it happens.
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Forward your share link to anyone who’s gotten screwed by a bill, a denial, or a landlord. When they sign up and make their first transaction, you both unlock a free month.
Common questions
Answered.
- The FTC report is generally sufficient — it's a sworn statement, not a court finding. Bureaus must accept it. If you also have a police report, even stronger, but it's not required.
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