What can I do if I feel the changes in my file are due to: identity theft or fraud, creditors reporting information erroneously or my identity being linked with someone elses identity, etc?
If the changes in your credit file are due to creditors reporting information inaccurately, you have the right to dispute the information that you believe is inaccurate. The credit bureaus – by law – must investigate. If the information is unverifiable, the items in dispute will be removed from your credit file. • First, notify the fraud divisions of the three credit reporting agencies that you have been a victim of identity theft. Ask them to place a “fraud alert” on your file, and require that creditors get your permission before opening any new accounts in your name. • Notify your local police department and file a report. Keep a copy of the report in case your creditors require proof of the crime. • Call the Identity Theft Toll-Free Hotline at 1-877-IDTHEFT (1-877-438-4338). This is the main center for reporting incidents of identity theft within the federal government. • Close any accounts that have been fraudulently opened in your name. Follow up with these creditors in writing.
