Know Your Rights

The Credit Bureaus - Complaints by Consumers

Having your identity stolen is an ordeal.  You don't realize how important your credit is until it has been destroyed.  Trying to write a check at a grocery store or rent an apartment becomes difficult, if not impossible.

The process of reclaiming your stolen identity can be a very frustrating experience.  First, you need to file a police report.   Next, you contact all three credit bureaus: (1) Equifax, (2) Trans Union and (3) Experian.  This where most consumers have complaints.

Consumers complain that speaking to a real person is the tough part.  When your identity is stolen and you have a pressing question or questions, it impossible to speak to a customer service agent.   You get transferred and press numerous extensions only to lead you to a prompt asking you  to leave a voicemail or mail your questions. 

Additionally, many consumers experiencing identity theft are unaware of their rights under the Fair Credit Reporting Act.  In fact, many do not even realize they have rights.  There must be a greater effort to educate the public on their rights as consumers under the FCRA.

Another complaint is that consumers are often pressured into purchasing identity theft monitoring systems.  Spending much needed money on fees for credit monitoring might not be in the best interests of the consumer experiencing identity theft.

SmithMarco, P.C., has over 30 years of combined experience practicing law protecting the rights of consumers around the country. If information about you is inaccurately being reported, or if you are a victim of identity theft,  please contact us for a free case review.

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