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Victim of Identity Theft, Step 6

This is an addition to Webhopper's outstanding summary of the ID theft process, adding a potential sixth step that can be used when a debt collector is also attempting to collect on a debt related to identity theft.  It is apart from the normal DV process, yet compels them to provide debt verification, and thus invokes  the standard cease collection bar under FDCPA 809(b).  It also blocks them from sale or referral to another debt collector.



Sixth Step: Obtaining information from debt collectors conducting collection on a fraudulent account

In order to compel a debt collector attempting to collect on  the fraudulent accounts to send you all information related to the fraudulent accounts that you “would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person”, which includes debt verification under FDCPA 809(b), you should make request that request in writing using the following letter.


Appendix C.8.a.:   Consumer § 615(g)   Request to Provide Information Related to Identity Theft




CityState, Zip

Debt Collector


RE: Request for Information   Pursuant to Section 615(g) of the Fair Credit Reporting Act

Dear Sir or Madam:

I am a victim of identity theft. XXXX   acquired a credit card with account with (      ), for which you are attempting to collect on an alleged debt.

In accordance with section 615(g) of the   Fair Credit Reporting Act, I am requesting that you provide me all information related   to the fraudulent accounts that I would otherwise be entitled if I were not a   victim of identity theft, but wished to dispute the debt under provisions of   law .  


Enclosed with this   request is the following documentation, as applicable:

  1.   Proof of my identity: A copy of my recent phone bill
    2. Proof of my claim   of identity theft:

a. A copy of the   police report number filed with the local law enforcement

b. A completed and   signed FTC Identity Theft Affidavit

c. A copy of the   Postal Service Fraud Form which was filed.


Please send verification of the debt to the above address.


In addition, please be advised that this  notification of identity theft additionally precludes you from selling, transferring, or   placing the debt for collection with any other party, pursuant to the  provisions of FCRA 615(f).


If you have any questions concerning this   request, please contact me at the above address.



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Posts: 7,225
Registered: ‎09-16-2011
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Re: Victim of Identity Theft, Step 6

Thank you for the excellent Step 6.


I will upload this into the guide, and reference you as the source if you dont mind??


Please confirm that this is ok!  Thanks


Also thanks for helping me out with references to the applicable standards when I was getting all the stuff ready for DH

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Community Leader
Epic Contributor
Posts: 29,734
Registered: ‎03-19-2007
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Re: Victim of Identity Theft, Step 6

Thanks, but no source reference required.  The statue is the real source......

 It's all yours!

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