Fix Identity TheftPersonal Finance
Fixing identity theft which has already occurred is annoying but necessary. If an impersonating transaction has occurred in your name, you will need to disable the account until you determine how transactions have occurred. You may have lost transaction cards or checks. They will immediately need to be deactivated, and replaced with functional substitutes. Update any automatic billing cycles tied to the credit or debit cards accessing the target account. You will need to provide a written request to contest the transaction. Be sure to deliver specific information associated with the fraudulent activity. Include your name, address, all fraudulent transactions, any respective account statements, and respective dates and times. If an account has been opened in your name, call the company or corporation where an account has been created. Directly explain that the account is fraudulent, and you would like the account closed.
Act Quickly or Lose
Note that you must act quickly. Protesting false or fraudulent transactions within the first 60 days in writing is crucial in correcting identity theft! If you pass this date, do so anyway, but the chances of success become lower as time passes. The creditor must legally recognize receiving your notifications within 30 days of arrival. Within 90 days of reception, they must fully examine your case. The United States of America require this process by law, and other nations may have similar processes. To ensure the correspondence was actually received, send your delivery via a GPS tracking mail service with delivery notification.
Fair Credit Billing Act
The delivery date is important for a reason. According to the United States’ federal Fair Credit Billing Act of 1974, no legal or financial actions may be paid while the investigation is in process. The company owed money as a result of fraudulent transactions may not report lateness or delinquency to credit agencies. They also cannot begin any other legal or financial movements against you. You are immune to collection agencies, and account restrictions related to the contested debt or obligation. The Fair Credit Billing Act also requires that any charges related to proven fraud or proven errors are removed. This includes the initial charge and any derivative charges or expenses. Since this act protects you, never pay for charges or threats until the investigation has resolved. If your argument is determined flawed or invalid, you will be required to pay once the investigation has been concluded. If you have already paid and fraud is proven, reparations for these costs are required.
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