Identity Theft

You Can Fight Back

Identity theft can turn your life upside down. You could face:
• Debt collection actions for debts that aren’t yours
• Limited access to credit
• Damage to your credit report
• Debt collection lawsuits
Federal law and laws in some states protect victims of identity theft. Creditors, debt collectors, and credit reporting agencies have a legal responsibility to investigate disputed items and make corrections.

Unfortunately, they don’t always live up to those responsibilities.

When Creditors and Credit Bureaus Drop the Ball

When a credit reporting agency ignores your dispute or conducts a cursory investigation and doesn’t fix the record, your credit suffers. Accounts taken out in your name without your consent remain on your credit history. Often, the damage to your credit score keeps getting worse, as the number of missed payments increases.

When a creditor or debt collector fails or refuses to make those corrections, you could face ongoing debt collection harassment.

Feel like you have nowhere to turn?

If you’ve filed a police report and disputes and haven’t gotten any relief, you may feel like you’ve hit the end of the road. Fortunately, you can enforce your rights—and we can help.

Just getting started?

You don’t have to figure it out alone. Resolve Law Group helps victims of identity theft dispute inaccuracies on their credit reports at no charge. To learn more about how we can help, contact us today.

Have Questions?

Our team is here to help with most legal issues that impact your life.

The Fair Credit Reporting Act Protects Victims of Identity Theft

One of the most powerful tools for a victim of identity theft is the Fair Credit Reporting Act (FCRA). The FCRA requires credit reporting agencies like TransUnion, Equifax, and Experian to investigate when they receive a dispute from a consumer. They are allowed a limited time to conduct that investigation and inform you of their findings. If they discover that the entry on your credit report is inaccurate—for example, that the account was opened by an identity thief and not by you—they're required to remove or correct the entry.

If they don’t live up to these obligations, you may be able to file a lawsuit against them. Under the FCRA, you can ask the court to order them to make the necessary changes. Depending on the circumstances, you may also be entitled to money damages.

Other State and Federal Laws May Apply

Depending on where you live and the specifics of your case, a victim of identity theft may have other claims. These may include claims under the federal Fair Debt Collection Practices Act (FDCPA) or the Electronic Funds Transfer Act (EFTA). You may also have claims under state statutes similar to these federal laws.

Talk to an Identity Theft Attorney

If you’re struggling to stop debt collection efforts and clean up your credit report after identity theft, an experienced ID theft lawyer can be your best resource. An attorney who handles identity theft cases in your area can tell you which state and federal statutes may apply in your case and explain your options.

Concerned about costs?

Many of the consumer protection statutes that protect victims of identity theft include fee shifting provisions. That means the creditor, credit reporting agency or collection agency that violated your rights can be ordered to pay your attorney’s fees. During your free initial consultation, we’ll explain more about how fees work in consumer protection violation cases, and how you may be able to pursue your claim at no cost.

Resolve is America’s Consumer Law Firm

Dedicated Attorneys
Resolve attorneys share our mission to make high-quality legal services available to consumers everywhere.
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Resolve offers a wide range of services to provide our clients with more comprehensive, coordinated service.
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No matter what your consumer legal issue, you can make Resolve your first call. No searching, no stress.
Nationwide Coverage
Resolve attorneys are licensed in dozens of states and admitted to federal courts in many others. Wherever you are, we’re here for you.

Need Legal Help?

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