August heat often drives up cyber‑crime. Identity thieves open fraudulent accounts, wrecking scores and spawning collection calls.
Under the Identity Theft and Assumption Deterrence Act and the FCRA, victims can demand immediate deletion of bogus tradelines and place fraud alerts or credit freezes for free.
File an FTC Identity Theft Report at IdentityTheft.gov, then a police report. These documents create a paper trail lenders and bureaus must honor.
Next, send an “identity theft dispute” under § 605B of the FCRA, attaching the reports and a notarized statement. Bureaus must block the information within four business days, then investigate.
If collectors contact you, provide copies of the FTC affidavit. Continuing collection efforts on a known identity theft debt violates the FDCPA and opens the door to damages.
Georgiou Law coordinates with law enforcement, creditors, and bureaus to scrub records and pursue compensation for out‑of‑pocket losses.
Legal Disclaimer: General information only—not legal advice.
⏰ Stop thieves from spending another day on your good name. Call Georgiou Law at (917) 764‑3072 for rapid response.
