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CRAs not complying with IDT report


chadwich
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My wife had her identity stolen and it has caused massive problems for her, especially in regards to her credit report. We followed all the steps outlined on this site:

 

1) Filed police report

2) Printed all 3 reports

3) Marked errors and wrote letter to CRAs

4) Included identification, IDT report and police report

5) Sent CMRR

 

As I understood it, the CRAs have 4 business days after receiving the notice to remove the errors.

 

TU did everything we asked. Everything.

 

EX did some things we asked, but left some things as well.

 

EQ did nearly nothing we asked. At all.

 

We haven't received responses back in the mail but my wife checks in and is able to refresh her report through a credit monitoring service. What is our recourse here?

 

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  • 5 months later...

Your Identity Theft Report should consist of two items:

 

1.  A police report - describing in detail all of the accounts that are a result of fraud.

2.  A Federal Trade Commission Affidavit - which also details the information as a result of the fraud.

 

The Identity Theft Report is very important.  One should not be more effective than the other. The Identity theft report contains report numbers which makes your claim valid.  Provide both to the CRA's and you are sure to see results.

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