Montana Letter to Creditors notifying them of Identity Theft
Description
How to fill out Letter To Creditors Notifying Them Of Identity Theft?
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FAQ
Employers are responsible for employee identity theft, therefore should perform the best policies for handling, storing and accessing the personal data of employees.
Thieves could open new lines of credit or credit cards in your name -- and fail to pay the bills. As debt accumulates and payments are missed, your scores may be negatively affected, because of the payment history associated with the accounts or the increase in your credit utilization.
You may receive a debt collection letter, to which you can respond by notifying the debt collector of the identity theft and providing it with proof of the theft, such as your Identity Theft Report. You should also contact the business that reported the debt to the collection agency and tell it to stop.
Your liability for fraudulent purchases made with your credit card is up to $50, if you tell the credit card company about the fraudulent charges within 60 days of when the company sends you the statement showing the fraudulent charges.
Dear Sir or Madam: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
In most states, you're not liable for any debt that occurred as a result of fraudulent accounts being opened. Plus, under federal law, you are only liable for the first $50 in fraudulent charges on your credit card if someone uses your card to make a purchase.
