Date:

Dear (Creditor Name or Collection Agency)

On (date), I received your letter demanding payment of ($$ amount).  I did not open this account and incur this unpaid balance.  Someone other than myself, wrongfully used my personal information to obtain a line of credit and or services.  Your company extended a line of credit or services to someone other than myself.  Your company is a victim and should file a police report in the appropriate jurisdiction.

You are hereby notified  that on (date) I filed an identity theft report with the Lodi Police Department, case number _______, a copy of which can be obtained by contacting the Lodi Police Department Records Division at 209-333-6731.

Closing,

Your name

Remember to keep accurate records and outgoing mail should be sent out certified, returned receipt.