This article we're going to discuss what you may want to do after receiving notice from Equifax that they have refused to fix the identity theft accounts on your credit report. I'm sure that when you got the notification of what they were doing, this quite upset you. I think that your distress it's completely understandable because having a bad credit can really affect your life.
To make matters worse, when you have bad credit that is not your fault it only amplifies the pain and humiliation that follows. After you have received the verification or the letter from Equifax that they have not removed the account, you should first consider whether or not you provided them with enough documents.
If you are positive that the accounts are from Identity Theft and not a situation where you are being combined or mixed up with someone else, then a best practice would be to get a police report and mail it with the next dispute to Equifax and any of the other credit reporting agencies that are in accurately reporting these identity theft accounts.
I normally recommend against the spew Ting Equifax accounts online because you do not get full proof of what you provided them. If you have already provided a police report or an identity theft affidavit to Equifax, and it was not corrected, I would hardly consider taking legal action. In circumstances like these, consumers like yourself are entitled to substantial compensation if the inaccurate credit reporting cause them damages and distress.
If this is your situation please do not hesitate to contact my office to see what your rights are. I can have a 30-minute consultation with you free of charge to see how we can help and if we are a good fit. If we determined that we want to move forward, we only charge clients when we when them compensation.
After any dispute with Equifax or any of the other credit reporting agencies, you should always receive a verification back that a investigation was complete and the results of that investigation. If you do not receive one back that means that no investigation was likely done.
This is the exact reason why you want to always send your dispute Letters by certified mail return receipt so you have the little green slip to show that you did in fact dispute the inaccurate information. I know this sounds small and trivial, but having this will not only make you feel better it will solidify any claim you have in the future.
Identity theft accounts often will calls collection attempts to be made at you. Mini X collectors will use robocalls to harass you on your home phone and cell phone.
Many of these calls will be illegal and quite valuable to you. For example, under the telephone consumer protection act a collector that calls you using a robodialer May owe you $500 to $1,500 for each call.
If you are getting calls from a collector on an account that is not yours, make sure to save all voicemails and phone records that you have. These could be amazing proof that they were using a robodialer or calling you and making you listen to any type of pre-recorded messages. If this has been happening to
You regardless of where you are in the dispute process I would highly consider contacting my office immediately these types of cases can exceed the value of a credit reporting case and may alter what steps you should take to best protect your legal interests.
Having an accurate information on your credit report will destroy your credit scores. Not only will it destroy your credit scores but it will also calls you to have too many accounts on your credit report which may cause lenders to not want to lend you money and decline alone for you.
Even if you were to get the loan many times the interest rates you are given are extremely high and will calls you years of extra payments that were not necessary. Furthermore and identity theft situations, many times the thieves will create Criminal violations and provide your information which will cause you tremendous
Joseph McClelland is a husband and trial lawyer. Graduate of Loyola University New Orleans School of Law. He currently practices Fair Credit Reporting Act, Telephone Consumer Act, and the Fair Debt Collection Practices Act litigation. Recent $237,000 consumer victory. Earned the designation of Advocate by the National Institute of Trial Advocacy.