FDCPA Consumer Rights



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Identity theft victims have a number of online resources available to them:


FTC Identity Theft information Internet Fraud Complaint Center National Fraud Information Center
ftc.gov IC3 fraud.org


Fraud Alerts 

You can place a “fraud alert” in your credit report to let potential creditors know that you may be the victim of identity theft. You can do this by calling one of the three national consumer credit reporting companies and processing a fraud alert. The company who handles your fraud alert is also required to notify the other two credit reporting firms.

Filing a fraud alert makes it more difficult for someone to get credit in your name by alerting potential creditors to your situation. However, it can also slow your ability to obtain legitimate new credit because of the additional precautions that may be taken by new credit grantors on your behalf.

Fraud alerts remain in your file for at least 90 days after the initial filing. Extended alerts can remain up to seven years. When placing either of these types of alerts, the credit reporting company will require you to provide proof of identity, possibly including your social security number. An extended alert will require you to provide a copy of a theft report you have filed with a law enforcement agency at the local, state or federal level. 

National Credit Reporting Agencies

TransUnion: 1-800-680-7289 – www.transunion.com

Equifax: 1-877-576-5734 – www.alerts.equifax.com

Experian: 1-888-397-3742 – www.experian.com/fraud

Crown Asset Management, LLC does not open, modify, create, remove, or update any trade lines with any credit bureau reporting service with any information relating to Crown owned or serviced accounts.

Useful Consumer Websites

Ask Dr Debt          U.S. Financial Literacy and Education Commission            Federal Government Consumer Information           Jump$tart Coalition for Students