IDENTITY THEFT LAWYER: CREDIT REPORT ERRORS CAUSED BY IDENTITY THEFT

IDENTITY THEFT LAWYER: CREDIT REPORT ERRORS CAUSED BY IDENTITY THEFT

Identity theft credit report errors can be devastating.  Some of the credit report errors caused by identity theft can include unauthorized charges or new accounts reported because of identity theft.  If you are a victim of identity theft it is important to take the steps necessary to correct credit report errors caused by identity theft, even where your bank or other lenders such as credit card companies advise you that you are not responsible for fraudulent charges caused by identity theft.

IDENTITY THEFT CREDIT REPORT ERRORS

1. Unauthorized charges/fraudulent charges. This type of identity theft is known as an account takeover and occurs when a cybercriminal gains access to your existing credit accounts. Unauthorized or fraudulent charges can be reported as balances owed on your credit report. This type of identity theft credit report error can harm your credit since this makes it appear that you are utilizing more credit than you are using. This type of identity theft credit report error can also harm your credit by making it appear that you are liable for amounts that you did not incur or authorize.  
 
1. Unauthorized accounts/fraudulent accounts. This type of identity theft occurs when a cybercriminal gains access to your personal information such as name, date of birth, and social security number and uses your personal information to open fraudulent accounts. existing credit accounts. Like unauthorized or fraudulent charges, unauthorized or fraudulent accounts can also be reported as new accounts and balances owed on your credit report. This type of identity theft credit report error can harm your credit since this makes it appear that you are utilizing more credit than you are using.  This type of identity theft credit report error can also harm your credit by making it appear that you are liable for amounts that you did not incur or authorize.  

 IDENTITY THEFT LAWYER TIPS FOR PROTECTING AGAINST IDENTITY THEFT

There are several steps you can take to reduce the likelihood of being an identity theft victim or having identity theft credit report errors appear on your credit reports.

Regular Credit Report Checks Can Help Prevent Identity Theft Credit Report Errors

Regularly monitoring your credit report can help you detect identity theft if you recognize unauthorized charges or accounts. You can obtain free copies of your credit reports annually by visiting annualcreditreport.com.
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Exercising Caution When Sharing Personal Information Can Help Prevent Identity Theft Credit Report Errors

Sharing personal information, such as your social security number or financial details should only be done when you are confident that you are sharing this information with a valid, secure source.  
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Guarding Against Phishing Scams Can Help Prevent Identity Theft Credit Report Errors

Phishing scams may be hard to detect, but you should avoid clicking on suspicious links or providing confidential data in response to unsolicited emails or messages.
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Using Strong Passwords Can Help Prevent Identity Theft Credit Report Errors

Using strong, complex, and unique passwords can help prevent unauthorized access to your accounts and reduce the likelihood of identity theft.  If there is a data breach that affects you, then having unique passwords can protect other accounts from being compromised.
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Keeping Your Software And Security Updates Current Can Help Prevent Identity Theft Credit Report Errors

Ignoring software and security updates on your electronic devices can leave them vulnerable to cyber threats and identity theft. Cybercriminals can exploit outdated systems or software to access your personal data and commit identity theft, leading to potential errors on your credit report.
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SPEAK TO AN IDENTITY THEFT LAWYER ABOUT IDENTITY THEFT CREDIT REPORT ERRORS

If you are the victim of identity theft you do not have to fight alone or navigate the complex legal framework to dispute identity theft credit report errors. An identity theft lawyer can help walk you through the process of disputing identity theft credit report errors to help restore your peace of mind. There are many consumer protection laws available and steps that identity theft victims can take to regain control. Attorney Nick Hadous is an identity theft attorney that has represented consumers in identity theft cases and other consumer protection cases.  If you believe you are a victim of identity theft or if your credit report contains inaccurate information, please contact our office using our contact form to schedule a free phone or Zoom consultation.