If a creditor improperly denies your identity theft claim and continues to report fraudulent information to the credit bureaus, your credit score may suffer significantly. This can impact your ability to obtain credit, housing, employment, or even insurance—real consequences based on false information.
Fortunately, you have rights under the Fair Credit Reporting Act (FCRA). If you’ve provided all required documentation (such as an FTC Identity Theft Report and police report), the creditor and credit bureau are legally obligated to block or correct the fraudulent data. If they fail to do so, you may sue for damages, including the cost of credit denial, emotional distress, and other losses.
You should also file formal disputes with all three credit bureaus and request that they investigate and correct the entry. If the issue is not resolved within 30 days, you may have a legal claim under the FCRA and can seek further assistance from a qualified attorney.
Don’t let a creditor’s denial ruin your financial future. Our law office helps identity theft victims clear their records, enforce their rights, and recover damages when creditors act unfairly or irresponsibly.
