So 99% of folks that are stuck as victims of ID theft fail to take the 3 steps below.

What they fail to understand is banks/credit bureaus want them to be stuck in cycle of phone calls and letters.

Good news is the FCRA is really clear, and just requires 3 steps:

1. File ID theft reports ( police or FTC)
2. Send your disputes with ID docs and Id theft reports to bureaus
3. If the issue is not resolved in 30 days , under FCRA an attorney can sue and get their fees from the bureaus / lenders

So this is all it takes, however people get stuck and keep on repeating step 2, not knowing that they can get help on contingency.

Now I often see folks file incomplete police /ftc reports and disputes.

Each police report / FTC report and dispute MUST notate lender name, ac# , amount, open date , and each fraudulent charge by date , vendor name and amount.

In any case, these are the nuts and bolts of how to resolve fraudulent opened accounts or fraud charges on your credit report

Feel free to ask any questions

ID theft Attorney here, 99% of people on reddit do not understand their rights and recourse as consumers if they have fraud charges or fraudulently opened accounts

Yet fixing ID theft is very simple and easy, if you know the 3 steps to follow below

Step1: File FTC /Police reports, and send disputes to bureaus and creditor

Step2: Wait 30 days to see if they don't rectify the issue

Step3: Now you have actionable damages, a good ID theft attorney will take on your case, with $0 out of your pocket, and will get their legal fees from the damages they get you.

Biggest mistakes victims of ID theft make :

1.They don't fill out the FTC reports / police reports properly with exact amount, ac#s, and dates, and fail to list each fraudulent charge

2. They fail to mail the FTC/police reports with the disputes to the lenders and four different credit bureaus ( yes Innovis is the fourth)

3. They keep on sending the lender/ bureaus the countless things they're asked for, whereas all victims need to do is follow 3 steps and in 30 days they have a legal case.

4. They fail to take legal action against the bureaus/lenders once their initial dispute has been denied

See this post how to file proper disputes and ID theft reports:

Hope this information was helpful , feel free to ask me anything

IDTheftAttoreny