When you start receiving strange letters in the mail regarding accounts in your name, you may think these are a scam. However, after doing some digging, you’ll find that this is a sign of identity theft. If you have had your information compromised, understanding why you need to file a report and who you should report identity theft to is critical. The following blog explores what you should know about these matters and why it’s in your best interest to work with a Los Angeles, California identity theft lawyer to fight to reclaim your identity and repair your credit report.
How Does Identity Theft Happen?
Unfortunately, there are several ways in which you can become a victim of identity theft. With the rise of the internet and online purchases, more and more consumer information is falling into the hands of hackers and scammers. As such, data breaches are one of the most prevalent ways thieves can access your sensitive information. These happen when someone who should not have access to a database of consumer information, like credit cards, full names, and email addresses, gets this information. In many instances, hackers will sell these details on the dark web to other scammers.
Additionally, phishing scams are incredibly common ways to get individuals to turn over their details. You may receive a text message or email from your bank informing you of a questionable transaction, and a link to view it. If you click the link and log in, you may be unsettled to find that the link you clicked was not in fact from your bank, but rather from a scammer who now has your information.
What Agencies Should I Report Identity Theft To?
Reporting identity theft is imperative for a number of reasons. First and foremost, filing reports with the appropriate agencies can help when you dispute the inclusion of fraudulent charges and accounts on your credit report. Additionally, informing police agencies and government entities about the circumstances of your identity theft can help them stay alert and warn others about the potential threat.
Generally, the first thing you should do is file a police report. Though holding perpetrators of identity theft can be notoriously hard to do, having a police report is imperative as it can help when you file your report with the Federal Trade Commission (FTC). The report you file will help give you steps you can take to recover your identity. Finally, you’ll need to file a report with each of the three of the credit reporting bureaus. You can file a dispute to have the information caused by identity theft removed from your credit report.
As you can see, this can be an incredibly complicated matter, so it’s in your best interest to connect with an experienced consumer defense attorney. At Los Angeles Legal Solutions, our firm will do everything possible to help you receive the best possible outcome for your circumstances. Connect with us today to learn how we can assist you during these difficult times.
