Scammers who perpetrate identity theft may run up bills in their victim’s name and, of course, fail to pay them. Information about these unpaid bills may appear on the victim’s consumer report. Consumers believe information in their file is the result of identity theft they have the right to ask that a consumer reporting agency block that information from their file. Once a debt resulting from identity theft has been blocked, a person or business may not sell, transfer, or place the debt for collection.
When a one asks a consumer-reporting agency to block the reporting of this information, they must identify the information to block and provide the consumer-reporting agency with proof of identity and a copy of your identity theft report. The consumer-reporting agency can refuse or cancel the request for a block for various reasons, including failure to provide the necessary documentation.
Consumers may also prevent businesses from reporting information about them to consumer reporting agencies if they believe the information is a result of identity theft.
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