Follow up by writing to the debt collector explaining your situation. Ask that they confirm in writing that you do not owe the debt credit report free 3 Rockford and that the account has been closed. Under new provisions in the FCRA, a debt collector must notify the creditor that the debt may be a result of identity theft. (§615(g)) The FCRA also prohibits the sale or transfer of a debt caused by identity theft.
(§615(f)) For additional information on dealing with debt collectors, read our Fact Sheet 27, which has a section for victims of identity theft at www.privacyrights.org/fs/fs27-debtcoll.htm#8 7. Check and banking fraud. If you have had checks stolen or bank accounts set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that compiles reports on checking accounts. Also, place a security alert on your file (credit report free 3 Rockford see web address below). Your bank should be able to provide you with a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your checking account and other affected accounts and obtain new account numbers. Give the bank a credit report free 3 Rockford password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any other easily guessed words). credit history check If your own checks are rejected at stores where you shop, contact the check verification company that the credit report free 3 Rockford merchant uses. TeleCheckFor annual file disclosureFraud, id theft department Under a new federal law, you now have a right to obtain any reports that these companies credit report free 3 Rockford compile about you. For ChexSystems and any of the check verification companies listed here that you have had to contact as a result of your identity theft situation, we recommend that you request a copy of your file once a year. If not, you credit report free 3 Rockford will find it difficult to open new bank accounts and/or write checks. Visit the web sites listed above to learn how to order your free annual reports. And read the PRC's guide on these "specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm 8. free business credit reports ATM cards. credit report free 3 Rockford If your ATM or debit card has been stolen or compromised , report it immediately. You may be liable if the fraud is not reported quickly. Start with a phone call and immediately follow up in writing. Be sure to read the debit card contract credit report free 3 Rockford for information about liability.
Some cards are better protected in cases of fraud than others. ATM and debit card transactions are subject to the Electronic Fund Transfer Act. (15 USC §1693) Even if you are a victim of identity theft, your liability for charges can increase the longer the crime goes unreported. For more on EFTA, see the FTC's guide, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm. Also read its guide on electronic banking, www.ftc.gov/bcp/edu/pubs/consumer/credit/cre14.shtm 9.credit report free 3 Rockford Brokerage accounts. You do not have the same protections against loss with brokerage accounts as you do with credit and debit card or bank accounts. The Securities Investor Protection Corporation ( www.sipc.org ) restores customer funds only when a brokerage firm fails. If an identity thief or other fraudster targets your brokerage account, refer to your account agreement for information on what to do. credit check for free
Immediately report the incident to the brokerage company and notify credit report free 3 Rockford the Securities and Exchange Commission, www.sec.gov Also notify the Financial Industry Regulatory Association, formerly NASD, www.finra.org. To protect against fraud, put a password on each of your investment accounts. For more on identity theft involving brokerage accounts, how it can happen, and what to do, see the PRC alert, www.privacyrights.org/ar/BrokerageAlert.htm 10. mail. Notify the local Postal Inspector if you suspect an unauthorized change of your address with the post office or if the U.S mail has been used to commit fraud.
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