Richmond Identity Theft & Credit Report Dispute Lawyer
Inaccurate Credit Reports and Identity Theft Richmond
If you are the victim of identity theft, it can have a devastating effect on your life and the life of your family. Identity thieves can ruin your credit score, impair your ability to find a job or limit your ability to apply for a car or home loan. People are often not aware that they are the victims of identity theft and inaccurate credit reports in Richmond, Virginia until it is too late, and the damage has already been done. If you have been the victim of inaccurate credit reporting in Virginia, the Richmond identity theft & credit report dispute lawyers of Blankingship & Christiano, P.C. can assist you.
Citizens of Henrico County, Virginia that are the victims of identity theft can file a police report with the Henrico County police department by calling the non-emergency phone number (804) 501-5000. After filing the police report, try to obtain a copy of the report for your records and to send to furnishers and credit reporting agencies as proof of the theft of your identity.
If you live in the City Richmond and you believe that you are the victim of identity theft, you should contact the Richmond Police Department and the non-emergency phone number is (804) 646-5100.
After obtaining a police report, the citizens of Richmond or Henrico County should address the inaccurate items in their credit report. You should contact the three credit reporting, place a fraud alert on your credit file, and obtain a copy of your credit file as maintained by Experian, TransUnion, and Equifax. If there are any incorrect credit report items on your credit report or items that you believe do not belong to you, send a formal dispute letter to the credit reporting agency, detailing exactly what is incorrect on your credit file. Be sure to describe why the information is incorrect and provide supporting documentation that tends to prove the account is incorrect. Make sure to keep a copy of your dispute letters, credit reports, and anything you receive from the credit reporting agencies for your personal files.
It is the responsibility of the credit reporting agencies to correct your disputed information and conduct proper investigations of disputed information. If incorrect items are not removed, it can be a very stressful situation, but you may be entitled to damages. Don’t let credit reporting agencies keep you from enjoying your life; contact Blankingship & Christiano, P.C. at (571) 313-0412 to help solve your identity theft and credit reporting problems.