Remedying the effects of identity theft
Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without lawful authority, to commit fraud, such as opening a credit card account or obtaining a loan in your name.
You have rights and there are procedures to help consumers deal with the effects of identity theft.
- The right to dispute inaccurate information with a consumer reporting agency
- The right to have inaccurate information deleted from your consumer report
- The right to know your credit score; the right to a free consumer report every year
- The right to receive additional free consumer reports when appropriate
You will receive a summary of these rights from a consumer reporting agency every time you receive a consumer report. The FCRA has a host of other important protections.