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Identity theft can be overwhelming. Identity theft occurs when someone uses your personal identifying information, such as your name, social security number, date of birth, or credit card number, without your permission, to commit fraud or other crimes. Your identity may have been stolen by a family member, by a complete stranger, or as part of a data breach. Many times, you may not even know exactly who stole your identity, but you may realize that you are the victim of identity theft only after seeing that your credit reports show that “someone” has opened items which are “not yours.” You may only realize you are the victim of identity theft after receiving credit cards that you did not apply for or receive calls from a collection agency for an unknown account.
If you are the victim of identity theft, you need to know about a Federal law called The Fair Credit Reporting Act, or “FCRA.” The FCRA, codified as 15 U.S.C. § 1681 et. seq., was enacted in 1970 to ensure that the information on your credit reports is accurate, fair, and kept private. The FCRA regulates the credit reporting agencies or credit bureaus as they are often referred, as well as, the creditors who furnish credit information to them. The largest and most known credit bureaus are Experian, Equifax, TransUnion, and Innovis but there are many others. The FCRA dictates that the credit reporting agencies may only report information about you which is accurate. If any of the information Experian, Equifax, and TransUnion reports about you is inaccurate, you have the right to dispute that information. Once you dispute that information, credit bureaus have a responsibility to conduct a reasonable investigation into your dispute. If you are the victim of identity theft, the Fair Credit Reporting Act (FCRA) affords us all many rights and we are here to help you fight for those rights at no cost.
At no cost, Vullings Law Group, LLC will assist you to dispute items on your credit reports, which were caused by the identity thief, directly with the credit bureaus. At no cost, we will ask that the creditor or furnisher who had an account opened with them by the identity thief, to send us documentation to verify or validate the alleged account. Many times, this documentation from the creditor used by the identity thief will show that the identity theft occurred by using an address which is not yours or a date of birth which is not yours. Perhaps, the identity thief even made purchases in a location or area you have never visited. If the credit reporting agencies refuse to remove such items after we receive this documentation from the creditor, we can represent you as your attorney under the Fair Credit Reporting Act. Even though you do not have to put out any costs or pay our law firm to represent you, the lawyers at Vullings Law Group, LLC will aggressively fight for you until we have either a settlement or a Court Order to get the item removed from your credit report which was caused by the identity thief, unscrupulous person, friend, or even family member.
If you are the victim of identity theft, you can have the peace of mind of knowing that our attorneys will fight for you until your rights are fully protected and your credit is repaired or restored. Please contact us today so that we can begin to make things right just as you deserve!