Identity Theft Remedies
7 Ways to Remedy the Effects of Identity Theft
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Identity theft occurs when someone uses your name, Social Security number, date of birth, or other personally identifying information without authority to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or obtain a loan in your name.
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For more information, visit www.consumerfinance.gov/learnmore or write to Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
The FCRA - Your Rights
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The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe, the victim of identity theft. Here is a summary of the rights designed to help you recover from identity theft.
1. You have the right to ask that nationwide consumer reporting companies 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 the agency processes your fraud alert, it will notify the other two, which must also place fraud alerts in your file.
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Equifax: 1-800-525-6285; www.equifax.com
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Experian: 1-888-397-3742; www.experian.com
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TransUnion: 1-800-680-7289; www.transunion.com
An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven 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. If you ask for an extended alert, you must also 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 www.consumerfinance.gov/learnmore.
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2. You have the right to free copies of the information in your file (your “file disclosure”).
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 12 months following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or 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 can obtain additional free file disclosures under other provisions of the FCRA. See www.consumerfinance.gov/learnmore.
3. 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 resulting from your identity theft 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 www.consumerfinance.gov/learnmore.
4. 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 you name by an identity thief – like the name of the credit and the amount of the debt.
5. If you believe the information in your file results from identity theft, you can ask that a consumer reporting agency to block that information from your file. An identity thief may run up bills in your name and not pay them. Information about 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 if the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. 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.
6. You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information results from 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 to be reported and to provide an identity theft report.
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7. You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information on your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
Alternatively, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business must verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which lasts seven years.
A security freeze does not apply to a person or entity, its affiliates, or collection agencies acting on behalf of the person or entity with which you have an existing account that requests information in your credit report to review or collect the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
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To learn more about identity theft and how to deal with its consequences, visit www.consumerfinance.gov/learnmore or write to the Consumer Financial Protection Bureau. You may have additional rights under state law. Contact your local consumer protection agency or your state Attorney General for more information.
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 www.consumerfinance.gov/learnmore.