How to File an FTC Identity Theft Report at IdentityTheft.gov
An FTC Identity Theft Report is a legal document that gives you special dispute rights under the FCRA. Here is what it is, why you need it, and the exact steps to file.
Create a free account to track guides you've read and save tool results.
What the FTC Identity Theft Report Is
An FTC Identity Theft Report is an official record of your identity theft created through IdentityTheft.gov — the Federal Trade Commission's identity theft portal. It is not just a complaint: it is a legally recognized document that activates specific rights under the Fair Credit Reporting Act (FCRA § 605B) that are not available through standard dispute processes.
What the Report Unlocks
| Right | Standard Dispute | With FTC Report (§ 605B) |
|---|---|---|
| Investigation timeline | 30 days | 4 business days |
| Blocking fraudulent info | Bureau investigates and decides | Bureau must block if documentation is provided |
| Creditor cooperation | No legal requirement | Creditors must provide records of fraudulent transactions |
| Free credit reports | Standard weekly reports | Additional free victim-specific reports |
How to File at IdentityTheft.gov
- Go to IdentityTheft.gov
- Select the type(s) of identity theft you experienced
- Answer the guided questions about what happened
- The FTC generates an official Identity Theft Report (a PDF) and a personalized recovery plan
- Download and save your FTC Identity Theft Report — you will need it for bureau disputes and creditor contacts
You do not need to have all information about the thief to file. Report what you know.
Using the Report for Bureau Disputes
Mail (certified, return receipt) to each bureau where fraudulent accounts appear:
- A completed letter citing FCRA § 605B and requesting a fraud block
- A copy of your FTC Identity Theft Report
- A copy of your government-issued photo ID
- A list of the specific accounts and items you want blocked
The bureau must block the fraudulent items within 4 business days and confirm the block in writing.
Do You Also Need a Police Report?
An FTC Identity Theft Report is sufficient for most purposes — including bureau fraud blocks and creditor disputes. A police report is additionally useful if: you know who committed the theft; you need to prosecute; or a creditor specifically requires a police report to close a fraudulent account. File a police report if possible, but do not wait for it before taking the other actions above.
Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer
Save your progress — it's free
Create a free account to save tool results, dispute letter drafts, and track your credit improvement checklist.