Block, don't dispute
Under §605B, once you file an FTC report, bureaus must block any information resulting from ID theft within 4 business days. This is faster than a §611 investigation.
Identity
Identity Theft
Freeze, dispute, recover — in the right order.
Identity theft recovery is a legal process, not a phone call. Just Dispute IT walks you through the FTC affidavit, bureau security freezes, four-agency reporting, and blocked-account requests under §605B — in a sequence that actually works.
What you get
Every workflow, out of the box.
- Guided FTC IdentityTheft.gov affidavit + printable packet
- Security freeze scripts for all three bureaus + ChexSystems + LexisNexis
- §605B block-account request for verified ID theft entries
- Long-tail recovery: LexisNexis, employment, insurance, tenant screening
Strategies in play
The specific moves the AI runs on your behalf.
Furnisher notification
§609(e) forces the furnisher to hand over transaction records. Use this to identify the address, IP, or channel used in the fraud.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
Explore →
Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.