Do you know about - Identity Theft Victims Part Ii
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I received a copy of my prestige record and saw about a half dozen items that I didn't know anything about. It's affected my prestige rating so badly that I couldn't get a learner loan. I didn't realize there was a qoute until my learner loan application was denied.
From a consumer's complaint to the Ftc, May 25, 2004
While dealing with problems resulting from identity theft can be time intriguing and frustrating, most victims can settle their cases by being assertive, organized, and knowledgeable about their legal rights. Some laws require you to apprise clubs within specific time periods. Don't delay in contacting any clubs to deal with these problems, and ask for supervisors if you need more help than you're getting.
Bank Accounts And Fraudulent Withdrawals
Different laws settle your legal remedies based on the type of bank fraud you have suffered. For example, state laws protect you against fraud committed by a thief using paper documents, like stolen or counterfeit checks. But if the thief used an electronic fund transfer, federal law applies. Many transactions may seem to be processed electronically but are still considered "paper" transactions. If you're not sure what type of transaction the thief used to commit the fraud, ask the financial custom that processed the transaction.
Fraudulent Electronic Withdrawals
The Electronic Fund transfer Act provides consumer protections for transactions intriguing an Atm or debit card, or someone else electronic way to debit or prestige an account. It also limits your liability for unauthorized electronic fund transfers.
You have 60 days from the date your bank list statement is sent to you to record in writing any money withdrawn from your list without your permission. This includes instances when your Atm or debit card is "skimmed" - this is, when a thief captures your list whole and Pin without your card having been lost or stolen.
If your Atm or debit card is lost or stolen , record it immediately because the whole you can be held responsible for depends on how quickly you record the loss.
* If you record the loss or theft within two company days of discovery, your losses are exiguous to .
* If you record the loss or theft after two company days, but within 60 days after the unauthorized electronic fund transfer appears on your statement, you could loss up to 0 of what the thief withdraws.
* If you wait more than 60 days to record the loss or theft, you could lose all the money that was taken from your list after the end of the 60 days.
Note: Most card issuers voluntarily have agreed to limit or waive consumers' liability for unauthorized use of their debit cards, no matter how much time has elapsed since the discovery of the loss or theft of the card. Caress your card issuer for more information.
The best way to protect yourself in the event of an error or fraudulent transaction is to call the financial custom and consequent up in writing - by certified letter, return receipt requested - so you can prove when the custom received your letter. Keep a copy of the letter you send for your records.
After receiving your announcement about an error on your statement, the custom generally has 10 company days to investigate. The custom must tell you the results of it's investigation within three company days after completing it and must precise an error within one company day after determining that it occurred. If the custom needs more time, it may take up to 45 days to faultless the investigation - but only if the money in dispute is returned to your list and you are notified right away of the credit. At the end of the investigation, if no error has been found, the custom may take the money back if it sends you a written explanation.
Fraudulent Checks And Other "Paper" Transactions
In general, in an identity thief steals your checks or counterfeits checks from your existing bank account, stop payment, close the account, and ask your bank to apprise Chex System, Inc., or the check verification service with which it does business. That way, retailers can be notified not to accept these checks. While no federal law limits your losses if someone uses your checks with a forged signature, or uses someone else type of "paper" transaction such as examine draft, state laws my protect you. Most states hold the bank responsible for losses from such transactions. At the same time, most states require you to take reasonable care or your account. For example, you may be held responsible for the forgery if you fail to apprise the bank in a timely manner that a check was lost or stolen. Caress your state banking or consumer security agency for more information.
You can Caress major check verification clubs directly for the following services:
* To request that they apprise retailers who use their databases not to accept your checks, call:
* TeleCheck at 1-800-710-9898 or 1-800-927-0188
* Certegy, Inc. (previously Equifax Check Systems) at 1-800-437-5120
* To find out if the identity thief has been passing bad checks in your name, call:
*Scan: 1-800-262-7771
If your checks are rejected by a merchant, it may be because an identity thief is using the Magnetic facts Character Recognition (Micr) code (the numbers at the lowest of checks), your driver's license number, or someone else identification number. The merchant who rejects your checks should give you it's check verification company Caress facts so you can find out what facts the thief is using. If you find that the thief is using your Micr code, ask your bank to close your checking account, and open a new one. If you search for that the thief is using your driver's license whole or some other identification number, work with your Dmv or other identification issuing agency to get new identification with new numbers. Once you have taken the proper steps, your checks should be accepted.
Note:
*The check verification company may or may not remove the facts about the Micr code or the driver's license/identification whole from its database because this facts may help prevent the thief from chronic to commit fraud.
*If the checks are being passed on a new account, Caress the bank to close the account. Also Caress Chex Systems, Inc., to divulge your consumer record to make sure that no other bank accounts have been opened in your name.
*Dispute and bad checks passed in your name with merchants so they don't start any collections actions against you.
Fraudulent New Accounts
If you have trouble occasion a new checking account, it may be because an identity thief has been occasion accounts in your name. Chex Systems Inc., produces consumer reports specifically about checking accounts, and as a consumer reporting company, is subject to the Fair prestige Reporting Act. You can request a free copy of your consumer record by contacting Chex Systems, Inc. If you find inaccurate facts on your consumer report, consequent the allowable procedures to consequent up with and precise them. Caress each of the banks where list inquires were made, too. This will help ensure that any fraudulently opened accounts are closed.
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