What if You Suspect Your Identity Theft ?
Identity theft occurs when
someone uses your name, Social Security Number widely call as SSN, date of birth, or other identifying information, without prior permission for fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.
info source gov resources
What will you DO ?
For more information, visit www.consumer.gov/idtheft
or write to:
FTC, Consumer Response Center,
600 Pennsylvania Avenue,
N.W. Washington, D.C., 20580.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe
that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.
1. You have the right to ask that nationwide consumer reporting agencies (CRA) place “fraud
alerts” in your file to let potential creditors and others know that you may be a victim of
identity theft. A fraud alert can make it more difficult for someone to get credit in your
name because it tells creditors to follow certain procedures to protect you. It also may
delay your ability to obtain credit. You may place a fraud alert in your file by calling just
one of the three nationwide consumer reporting agencies. As soon as that agency
processes your fraud alert, it will notify the other two, which then also must place fraud
alerts in your file.
* Equifax: 1-800-525-6285;
* Experian: 1-888-EXPERIAN (397-3742);
* Transunion: 1-800-680-7289;
2. An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for 7 years. To place either of these alerts, a consumer reporting agency will
require you to provide appropriate proof of your identity, which may include your Social
Security Number (SSN).
3. If you ask for an extended alert, you will have to provide an identity
theft report. An identity theft report includes a copy of a report you have filed with a
federal, state, or local law enforcement agency, and additional information a consumer
reporting agency may require you to submit. For more detailed information about the
identity theft report, visit Consumer Govt.
4. You have the right to obtain documents relating to fraudulent transactions made or
accounts opened using your personal information. A creditor or other business must
give you copies of applications and other business records relating to transactions and
accounts that resulted from the theft of your identity, if you ask for them in writing. A
business may ask you for proof of your identity, a police report, and an affidavit before
giving you the documents. It also may specify an address for you to send your request.
Under certain circumstances, a business can refuse to provide you with these documents.
See Consumer Govt.
5. You have the right to free copies of the information in your file. An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 1 year period following the placing of the alert.
6. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See http://www.ftc.gov/bcp/menus/consumer/credit.shtm .
7. You have the right to obtain information from a debt collector. If you ask, a debt
collector must provide you with certain information about the debt you believe was
incurred in your name by an identity thief – like the name of the creditor and the amount
of the debt.
8. You also may prevent businesses from reporting information about you to consumer
reporting agencies if you believe the information is a result of identity theft. To do
so, you must send your request to the address specified by the business that reports the
information to the consumer reporting agency. The business will expect you to identify
what information you do not want reported and to provide an identity theft report.
To learn more about identity theft and how to deal with its consequences, visit
Consumer Identity Theft, or write to the FTC.
You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney
9. If you believe information in your file results from identity theft, you have the right
to ask that a consumer reporting agency block that information from your file. An
identity thief may run up bills in your name and not pay them converting it as unwanted/unknown debt.
10. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your
identity and a copy of your identity theft report. The consumer reporting agency can
refuse or cancel your request for a block if, for example, you don't provide the necessary
documentation, or where the block results from an error or a material misrepresentation
of fact made by you. If the agency declines the block, it must notify you.
11. Once a debt resulting from identity theft has been blocked, a person or business with
notice of the block may not sell, transfer, or place the debt for collection.
12. In addition to the new rights and procedures to help consumers deal with the effects of
identity theft, the FCRA has many other important consumer protections. They are described in
more detail at The FTC website on credit.
Why require Debt Consolidator ?
- Consolidate all unsecured debt
- Lower your monthly credit card payments
- Reduce high-rate interests
- No more Harassment From Collection Agencies