Fair credit reporting act Las Vegas

The steps that you take to clear your name with both the phone company and credit bureaus are much the same as with credit card accounts described above in steps one and fair credit reporting act Las Vegas three. If your calling card has been stolen or there are fraudulent charges, cancel it and open a new account.

For your own phone accounts, add fair credit reporting act Las Vegas a password that must be used any time your local, cell phone, and long distance accounts are changed.

Student loans.fair credit reporting act Las Vegas If an identity thief has obtained a student loan in your name, report it in writing to the school that opened the loan. Driver's license fair credit reporting act Las Vegas number misuse. You may need to change your driver's license number if someone is using yours as ID on bad checks or for other types of fraud. Call the Department of Motor Vehicles (DMV) to see if another license was issued in your name. Put a fraud alert on your license if your state's DMV provides a fraud alert process.

Fill out the DMV's complaint form to begin the investigation process.

Send supporting documents with the completed form to the nearest DMV investigation office. Identity theft involving family members and others you know. If a deceased relative's information is being used to perpetrate identity theft, or if you personally know the identity thief, additional information about how to address these situations is available in other fact sheets. free credit report report Visit the Identity Theft Resource Center web site: 18. Medical identity theft. fair credit reporting act Las Vegas Medical identity theft occurs when someone uses your name, Social Security number, or other personal information to obtain health care or medical products. Another variation involves false claims for medical care made to fair credit reporting act Las Vegas your health insurer, again using your personal information. Like other forms of identity fair credit reporting act Las Vegas theft, victims of medical identity theft may fair credit reporting act Las Vegas first become aware of a problem with a call from a debt collector. Medical identity theft can be particularly insidious since remedies involve cleaning up your medical records as well as your credit reports. For a full discussion of the crime of medical identity theft as fair credit reporting act Las Vegas well as steps to take if you are a victim, visit the Web site of the World Privacy Forum, www.worldprivacyforum.orgThe Federal Trade Commission has also published medical identity theft guides for consumers fair credit reporting act Las Vegas and healthcare providers. free credit report by law

Victim statements. fair credit reporting act Las Vegas If the imposter is apprehended by law enforcement and stands trial and/or is sentenced, fair credit reporting act Las Vegas write a victim impact letter to the judge handling the case. Contact the victim-witness assistance program in your area for further information on how to make your voice heard in the legal proceedings.

Read the Identity Theft Resource Center’s Fact Sheet 111, http://www.idtheftcenter.org/artman2/publish/v_fact_sheets/Fact_Sheet_111_Victim_Impact_Statements.shtml 20. False civil and criminal judgments. Sometimes victims of identity theft are wrongfully accused of crimes that were committed by the imposter. If you are fair credit reporting act Las Vegas wrongfully arrested or prosecuted for criminal fair credit reporting act Las Vegas charges, contact the police department and the court in the jurisdiction of the arrest. Also contact your state's Department of Justice and the FBI to ask how to clear your name. If a civil judgment is entered in your name for your imposter's actions, contact fair credit reporting act Las Vegas the court where the judgment was fair credit reporting act Las Vegas entered and report that you are a victim of identity theft. For more on what to do if you become the victim of criminal identity theft, see PRC Fact Sheet 17g, www.privacyrights.org/fs/fs17g-CrimIdTheft.htm 21. Legal help. You may want to consult an attorney to determine legal action to take against fair credit reporting act Las Vegas creditors, credit bureaus, and/or debt collectors if they are not cooperative in removing fraudulent fair credit reporting act Las Vegas entries from your credit report or if negligence is a factor. get your credit report for free Call the local Bar Association (www.abanet.org/premartindale.html), a Legal Aid office in your area (for low-income households), or the National Association of Consumer Advocates (www.naca.net) to find an attorney who specializes fair credit reporting act Las Vegas in consumer law, the Fair Credit Reporting Act, and the Fair Credit Billing Act.