Step 3. File an Identity Theft Police Report with your local law enforcement agency that states you are a victim of identity theft. A simple one page police report that states you were a victim of identity theft (with no other details) will suffice, although you should include details "if any" that you are aware of.
Step 4. Complete and notarize an Identity Theft Affidavit. Complete instructions on how to complete this form are below. The colored notes that explain how to fill this document out will not show when you print this document.
Step 5. Send a copy of the police report, the notarized identity theft affidavit, a copy of your credit report with the fraudulent items circled and a cover letter similar to ones on pages 11 and 12 below. Mail complete sets to all three credit bureaus and each fraudulent creditor account listed on your credit report. Make sure you call each creditor separately and ask them which address you should mail correspondence that pertains to you being a victim of identity theft. The Fair and Accurate Credit Transactions Act requires that you obtain a specific address from each creditor in order to be protected by its provisions. Federal law states that a creditor may also request that you complete one of their identity theft affidavits in their format although most will accept the one mentioned in this article.
The credit bureaus have four business days to block the fraudulent information after receiving your request outlined in the steps above and also must prevent the fraudulent items from reappearing on your credit report.
Sending the information to the credit bureaus should do the trick by itself, but I highly suggest being diligent and putting the creditors on notice also in the event the credit bureaus don't do what they are supposed to do.
Good Luck!
Laure Feld
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Disclaimer:The information contained in this article is not considered to be legal advice in any way. Any use of this information shall be at your own risk and should not be used without first consulting an Attorney proficient in the area of consumer credit.
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