u/IDTheftAttorney here, this post is for people who's credit report is showing accounts which were opened by an identity thief , or credit cards where the thief made fraudulent charges on .

If you've only got fraudulent credit card charges and no negative credit reporting, read this credit card charges guide recovery guide instead.

what is NOT IDENTITY THEFT: if a creditor you do business with overcharges you or double charges you, that is NOT identity theft. Eg. Netflix charged my account after i closed my account or double charged me for a month. This is considered a dispute not IDTheft.

Unfortunately thousands of people are making FALSE ID theft claims ,even though this is a federal and state crime. As a result, credit bureaus and creditors look at all claims with suspicion or disbelief and use every possible reason to deny your claim, so you have to make sure that all your T's and i's are dotted.

Good news is if you're a legitimate victim and follow and follow this process then:

if they do not remove the ID theft related accounts, you maybe entitled to monetary compensation under the Fair Credit Reporting Act §1681 n, with the credit bureaus & creditors having to pay your attorney fees.

SO HERE WE GO WITH THE STEP BY STEP PROCESS…..

1.FILE AN FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT

• Visit the Federal Trade Commission's website or use this affidavit
• Provide detailed information: account numbers, opening dates, and amounts involved
• Ensure all information is accurate and complete to avoid rejection

2.FILE AN IDENTITY THEFT POLICE REPORT

• Contact your local police department (in-person, online, or via email)
• Bring identification and your credit report for in-person filing
• List each fraudulent account with creditor name, account number, date opened, and balance, use the sample below as a guide

SAMPLE POLICE REPORT STATEMENT

I am filing this statement in order to put on the record that I am a victim of Identity theft.

I am a victim of identity theft, The credit cards referenced herein were incurred in my name , without my knowledge, and I never signed for them, took delivery of them and neither did I benefit from them in any way. I found out about these fraudulent accounts and charges on _______,. I do not know who the perpetrator is ( or ff you know the perpetrator , state their name and provide back ground)

The accounts are as follows:

1.JPMCB – ^{credit card}

Ac# 266841597674843

Opened Jan 17, 2019

Status: Charged off amount $11126

Reason for dispute: account fraudulently opened

1. Discover Bank- ^{credit card}

Ac# 6011012079615620

Opened Jun 4, 2020

Status: charged off amount $18467

Reason for Dispute: this was my account but incurred fraudulent charges made by an identity theif

3. PREPARE AND SEND THE BUREAUS AND CREDITORS YOUR ID THEFT REPORT AND DISPUTE LETTERS:

Instructions: Use an FCRA-compliant letter template. Customize for each fraudulent item: a) "Account fraudulently opened" for new accounts) "Account incurred fraudulent charges" for existing accounts.Request a Fraud Alert be placed on your report

Mail to Experian, Equifax, and TransUnion (addresses provided below)

Include: Copy of ID, Social Security card, utility bill, FTC report, and police report

SAMPLE IDENTITY THEFT DISPUTE LETTER

[Your Name]

[Your Address]

[City, State ZIP Code]

[Date]

[Credit Bureau Name]

[Credit Bureau Address]

Re: Credit Report Dispute – Identity Theft

I am writing to dispute the following information in my credit file. I have identified the items I dispute on the attached copy of the credit report I received.

My contact number for verification is [your phone number].

Also please place a fraud alert on my credit report , my cell phone # is _______

The fraudulently reporting accounts are :

1.JPMCB – ^{credit card}

Ac# 266841597674843

Opened Jan 17, 2019

Status: Charged off amount $11126

Reason for Dispute: account fraudulently opened

1. Discover Bank- ^{credit card}

Ac# 6011012079615620

Opened Jun 4, 2020

Status: Charged off amount $8423

Reason for Dispute: this was my account but incorrect fraudulent charges

These items are the result of identity theft. I request that they be removed from my credit report to correct the information.Enclosed are copies of [list supporting documentation, such as FTC Identity Theft Report, police report, etc.] supporting my position.

Please reinvestigate this matter and delete or correct the disputed items as soon as possible.

As per FCRA Section 611(a)(5), please provide notification of this dispute to any entity that provided the disputed information. Additionally, I request that a fraud alert be placed on my credit report.

Thank you for your prompt attention to this matter.Sincerely,

[Your Signature]

[Your Printed Name]

Enclosed: Copy of ID Copy of utility bill Copy of SSN Copy of Police report Copy of FTC Affidavit4.

FINAL STEP: FIND A ATTORNEY WHO CAN SUE AND GET YOU DAMAGES (without any money out of our pocket) :

if the institutions fail to restore your ID theft issues, you may be entitled to damages. A good attorney will charge no upfront fees , and instead will help get you monetary compensation.

Look for an attorney who's licensed in your state.