Identity fraud impacts millions of customers each year, but often people are unaware that their identity has been compromised before they apply for a credit card or a loan. This will trigger a slew of issues for the user whose privacy has been compromised. Payments would not be made on major transactions that they did not approve, according to their credit report. Any identity hackers have devised methods to keep people from discovering the scam for an extended period of time, further damaging the victim.
What Causes Identity Theft?
Identity fraud can occur in a variety of ways, from remote access to credit cards and bank accounts to forging credit or debit cards or even mail containing sensitive information. Some identity hackers steal information from ATMs or break into personal computers and computers used by businesses.
They can also steal documents from their employer or use their employer's access by impersonating a landlord or another person with a genuine need for such information. Any identity criminals may pay or con other workers to obtain information, or they may defraud the customer by posing as a legitimate businessperson or government employee.
Defending Yourself From Identity Theft
Consumers are covered by the Fair Credit Reporting Act, and there are several options available to assist them in recovering from identity fraud. If mistakes stay uncorrected, claimants will file a complaint against the credit bureaus to ensure that the report is corrected and that they obtain compensation.
It is very helpful for lawyers to support clients while they are prosecuting. Attorneys will challenge misleading details on the report that was obtained by identity fraud. Dealing with debt collectors who threaten customers for money they do not owe is much better with the help of an experienced solicitor. Attorneys will now be able to help victims of identity theft remove fake accounts and details from their credit reports.
Consumers have certain protections when it comes to identity fraud, both in terms of stopping theft and dealing with problems that arise when identity theft occurs. They have the right to suggest that "fraud warnings" be put in their files to warn others that they have become the target of identity theft, making it more difficult for others to obtain entry.
How can we assist?
When your identity has been compromised, the first priority is to protect your credit. Our lawyers can look at the identity fraud, challenge false records, and may also be able to sue the people involved for any money you are owed. We will assist you with recovering any civil or other damages. If you have been hurt by the flaws in your credit report, the court must still pay you lawyers fees.
You have the ability to access any document relating to fraudulent purchases or accounts that include your personal information, and borrowers must provide you with copies of applications or documents resulting from identity theft if you request them in writing.
Debt collectors would supply you with details about the debts you claim the identity thief accrued under your name. Our lawyers will be certain that you have access to these records and will take appropriate measures if necessary.