Victim of Identity Theft? We Can Help
If you have had your identity stolen, it can be an emotional rollercoaster. It’s important that you act quickly to control and reverse the damage. Our law firm can help sort through many of the legal issues that arise whenever your identity is stolen, like:
- Wrongful debt collections (FDCPA)
- Inaccurate credit reporting (FCRA)
- Unauthorized Transfers of Bank Funds (EFTA)
- Invasions of Privacy
You may have a right to sue both the source of the identity theft, as well as the creditors who fail to fufill their obligations to you as a a victim of identity theft. Congress has gone to great lengths to provide consumers whose identity has been stolen with a set of rights, but you’re going to need an experienced lawyer to enforce those rights. Call us today at (612) 379-8800 for help.
Seven Steps for Dealing with Identity Theft
- Call the Police. Call the police and file a criminal complaint. This is essential, even if you don’t know the name of the identity thief. A police report and case number should always be issued. Insist on it from the local police department where you live. Don’t take no for an answer. Get a copy of the police report.
- Call Your Banks. Immediately contact every one of your banks, credit unions, and financial account holders (Paypal, Zelle, Schwab, etc.) and demand that they freeze your bank accounts and change the account numbers. Report all unauthorized transactions. Change your login passwords on all financial accounts in your name. It’s important that you report unauthorized transactions immediately since the longer you wait, the more potential financial liability you may have. That liability could be as much as $500 if you wait more than two business days to alert your bank. If you correspond with your bank, save clean copies of those emails or letters. Document carefully who you spoke to, date, time, and contents of the communication.
- File Identity Theft Affidavit. Go to IdentityTheft.gov and create a complete and accurate Identity Theft Affidavit and send copies to all your creditors.
- Dispute False Information with Credit Bureaus. Obtain complete current copies of all three of your major credit reports from Experian, TransUnion and Equifax. Click here for instructions on getting these from AnnualCreditReport.com. Dispute any inaccurate information you find on these reports in writing or through the online system. Take screenshots of the dispute you file.
- See if You Have Insurance Coverage. It’s important to check your renters, homeowners and/or AAA-type automotive insurance for identity theft coverage to see if you might have some coverage for your losses. Download a full copy of those policies and save them for us to review. Many insurance policies have this sort of coverage today, so it’s worth a check.
- Get Credit Monitoring. We recommend Experian’s CompleteID service, available through Costco.com for about $8 a month. It can be configured to monitor the Dark Web for your personal information and account numbers so that you know what’s at risk. It also allows you to get your current FICO scores and provides a variety of other information. There are lots of other options in this sector, but it’s important to get credit monitoring because the impacts of identity theft can last years.
- Call Our Law Firm. Call our law firm and let’s talk. We may be able to bring claims against any bank that refuses to return your funds after you have disputed transactions, or any credit reporting agency that won’t fix your credit.
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I have decades of federal consumer rights litigation experience since 1996. There is no tougher place in the world to litigate than in United States Federal District Court. You'll be glad that your lawyer has both the knowledge of the Court, and the success to back it up.
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