Identity Theft Law

Identity theft is when someone steals your personal information and uses it without your permission. This is one of the fastest growing crimes in the country. The consequences of having your identity stolen can be a nightmare to deal with. You may face serious problems with your finances, credit history, and reputation.Identity Theft

Dealing with identity theft is not easy. It takes time, money, and patience to resolve. If you have been a victimof identity theft, you need to take immediate action:

  • Place a Fraud Alert

    Contact any of the three consumer reporting agencies and request they place a fraud alert on your credit report. The consumer reporting agency will notify the other two companies of the fraud alert. This alert will last for 90 days and it will make opening an account under your name more difficult for the identity thief.

  • Order Your Credit Reports

    After placing your initial fraud alert, order a copy of your credit report. The consumer reporting agency will explain how to obtain a copy for free. When you receive the report, carefully review it and see which accounts you do not recognize.

    Equifax
    1-800-525-6285
    Experian
    1-888-397-3742
    TransUnion
    1-800-680-7289
  • File an Identity Theft Report

    1) Fill out the FTC’s Identity Theft Affidavit. Report the incident to them.

    2) Take the Identity Theft Affidavit and file a police report. Get a copy of the police report.

    3) Contact each company, including the consumer reporting agencies, and send them a copy of your FTC Affidavit and Police Report. They should take action and close the fraudulent accounts and remove them off your credit report.

If you are the victim of identity theft and need help dealing with creditors, debt collectors, and consumer reporting agencies that will not fix the problems, then get in touch with us. Find out how we can help.