Gorski Law
Pennylvania & New Jersey Consumer Rights Law Firm
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Removing Fraud Accounts From Credit

Consumer rights regarding the problem of identity theft on a consumer's credit report is discussed. Specific steps that a consumer should take to remove fraudulent accounts from a consumer's credit report are provided. 

Removing Fraudulent Accounts From Your Credit ReporT

  1. Obtain a police report memorializing that you were the victim of the identity theft and which identifies the specific account(s) on your credit report that were opened as a result of identity theft. The best way to do this is to go to the police with an "identity theft report" that you have already prepared. You can create an identity theft report through the FTC's website.

  2. Prepare a dispute letter to mail to Experian, Equifax & TransUnion requesting the fraudulent account(s) be removed from your credit reports.  A sample letter can also be found on the FTC’s website. Follow these links to obtain Information on mailing your dispute to Experian, Equifax and TransUnion.
     
  3. When you mail the letters to the credit bureaus include a copy of the police report and identity theft report, a copy of your driver’s license, a copy of your social security card (if you have it), and a current utility bill (to prove your current address). Also, send the letters by certified mail so you have proof of delivery of the disputes to the credit bureaus. Keep copies of all the letters you send for your own records.
     
  4. Send a copy of the letters to the bank/creditor(s) that furnished the fraudulent accounts and any debt collectors who have been engaging in collection activity with you over the account. Also, send the letters by certified mail so you have proof of delivery of the disputes to the creditor and collector.
     
  5. The credit bureaus are required to respond to your dispute in 30 days or less by sending you an “investigation result” in the mail. Assuming you follow the steps above, the law requires the credit bureaus remove the accounts from your credit report and the creditors and collectors are likewise required to close the account and discontinue reporting or collecting on the account. If you receive a response back from any credit bureau, creditor or collector informing you that it intends to continue reporting or collecting on the fraudulent account, you should consult with a lawyer.

Do You Need Help?

If you are a victim of identity theft and have difficulty removing fraudulent accounts from your credit report, removing fraudulent charges from your bank statement, or are having difficulty with debt collector harassment, Gorski Law may be able to help. Gorski Law can remove fraudulent accounts from you credit report or bank statement, stop debt collector harassment and obtain compensation for any harm you have experienced as result of the these companies failure to correct the identity theft that occurred. Initial consultations are always free. Call 215-330-2100 or email the firm to schedule a consultation now. 

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