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If you were denied credit or housing, or your employment was delayed because information in your credit report or background check is wrong, you could be a victim of identity theft.

Signs of identity theft include:

• Charges on your credit card for items you did not buy
• Unexplained withdrawals from your bank account
• Robocalls from debt collectors

Do not ignore these warning signs. You need to take action immediately. If you have tried disputing credit report errors and you are getting nowhere, give us a call. Our legal team will fight for your rights and set the record straight.

Identity Theft Can Ruin Your Life

If someone uses your personal information such as your name, address, Social Security number (SSN), or bank or credit card account number without your knowledge to open accounts or commit fraud, you are a victim of identity theft. Once identity thieves have your personal information, they can open up bank accounts in your name, get loans, and run up credit card bills with no intention of paying these debts. You suffer because your credit score is ruined and your name is handed over to bill collectors. Imposters may even file for bankruptcy using your name, or give your name to the police if they are arrested.

What Can Identity Theft Victims Do?

Identity theft victims can take measures to repair their credit rating. The first step is to find out how much damage has been done. The Fair Credit Reporting Act (FCRA) gives rights to consumers who may be victims of identity theft, including but not limited to the following:

• The right to ask to ask the credit reporting agencies (TransUnion, Equifax, and Experian) to place fraud alerts in your file to indicate you may be a victim of identity theft
• The right to obtain a free credit report from each credit reporting agency
• The right to ask debt collectors for information about debts you believe were incurred in your name

Next, victims of identity theft can dispute credit report errors. This process may be complicated and time consuming. In the meantime, innocent people may have trouble getting credit or moving ahead with normal transactions including obtaining an apartment or a job.

Identity Theft Lawyers at Francis Mailman Soumilas P.C. Set the Record Straight

If your credit has been ruined because someone stole your identity, you do not have to suffer. Our experienced attorneys know exactly what to do to help expedite the process of disputing credit report errors. For more than 20 years, we have helped innocent consumers restore their credit while holding reporting agencies accountable for errors. If a simple credit check turns into a nightmare, call us at 877-735-8600 today or contact us online for a free case review. We are legal champions of the consumer and we get results. We know the law. You deserve compensation. Best of all, you pay nothing out of pocket.

Our offices are located in Philadelphia, San Francisco, New York and Chicago, and we serve clients nationwide.