Identity Theft

They stole your identity. Don’t let them control your future.

Even if the thief isn’t caught, you still have legal options. The Fair Credit Reporting Act requires banks and credit bureaus to investigate and correct identity theft. If they don’t, you can take action.

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Your FCRA Rights:

You have the right to place a fraud alert or credit freeze on your credit reports to prevent further harm.

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You are entitled to dispute any information on your credit report that you believe is a result of identity theft.

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The credit bureaus must block fraudulent information from your report within 4 business days of receiving your dispute.

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You’re entitled to a free copy of your credit report immediately after placing a fraud alert.

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Credit bureaus and creditors must timely investigate your dispute and send you the results of their investigation.

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You have the right to sue for damages if the credit bureaus or creditors don’t comply with the FCRA.

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How to enforce your FCRA Rights

Access and carefully review your credit reports from all three major credit bureaus.

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File a police report if you suspect you’ve been a victim of identity theft.

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Submit an Identity Theft Report to the Federal Trade Comisssion (“FTC”).

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Dispute the false information with the credit bureaus. Include both (police and FTC) reports in your dispute.

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You have the right to file an FCRA lawsuit if the false information is not permanently removed from your credit report.

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If you’re dealing with identity theft issues on your credit report, you can use the form below to request a case review.