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FCRA § 1681c-2 requires a CRA to BLOCK any identified fraudulent tradeline within 4 business days of receiving a valid identity-theft report. Far stronger than a regular § 1681i dispute — no investigation period, no “verified” runaround. You can read through the wizard now; it produces the document once its rules are reviewed by a licensed attorney.
The Identity-theft affidavit (§ 1681c-2) template is waiting for a licensed attorney to review its rule data. Until then SynthCounsel does not produce this document, so answering the questions will not give you one.
You can still read through the questions to see what it asks and what to gather.
For inaccuracies that aren’t the result of identity theft. Slower (30-day investigation) but no police report required.
Open dispute wizardWrongful refusal of a § 1681c-2 block is its own violation. Sue in U.S. District Court for willful damages + punitive + costs and reasonable fees in a successful action (§ 1681n(a)(3)).
Open federal complaint wizard