What responsibilities do the credit reporting bureaus have involving identity theft?
After you (or your representative) notify the credit bureau of fraud, they must: • Include a fraud alert in your file and provide that report to any file requestor for at least 90 days; • Notify the other credit bureaus of the fraud; • Continue the fraud alert for 7 years, if you request it; • Omit you from any consumer credit-offer lists for 5 years; • Provide you with a summary of your rights as an ID theft victim; • Provide you with contact information for government agencies (such as the FTC) and all credit reporting bureaus; • Provide you with all information regarding your case, free of charge; Additionally, even if there is no evidence of fraud, deploying military have the right to ask that fraud alerts be placed on their accounts. The laws also provide severe civil penalties if the credit bureaus fail to take proper action regarding your identity theft case. What responsibilities do creditors have involving identity theft? Creditors also have specific duties where ID theft is i
