Federal law requires users of consumer reports to develop reasonable policies and procedures to apply when they receive a notice of address discrepancy from a consumer reporting agency. They also require that covered entities develop and implement an Identity Theft Prevention Program for combating identity theft in connection with new and existing accounts.
Rhode Island Sample Identity Theft Policy for FCRA and FACTA Compliance
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A copy of your FTC Identity Theft Report. A government-issued ID with a photo. Proof of your address (mortgage statement, rental agreement, or utilities bill) Any other proof you have of the theft?bills, Internal Revenue Service (IRS) notices, etc.
If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report.
File a Report with the FTC ? Visit .ftc.gov/idtheft to file a complaint with the Federal Trade Commission. By filing with the FTC, you will provide valuable information that could help law enforcement officials track down and stop identity thieves.
FACTA amends the Fair Credit Reporting Act (FCRA) to: help consumers combat identity theft; establish national standards for the regulation of consumer report information; assist consumers in controlling the type and amount of marketing solicitations they receive; and.
The Red Flags Rule requires specified firms to create a written Identity Theft Prevention Program (ITPP) designed to identify, detect and respond to ?red flags??patterns, practices or specific activities?that could indicate identity theft.
The Fair Credit Reporting Act (FCRA) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records ? such as applications for credit ? relating to the theft of their identity.
If you are a victim of Identity Theft: Contact the fraud department of any one of the three major credit bureaus (listed below) and place a fraud alert on your credit file. ... Close the accounts that you know or believe have been tampered with or opened fraudulently. File a police report.
The "Red Flags" Rule, 16 C.F.R. § 681.2, requires "creditors" and "financial institutions" to develop written plans to prevent and detect identity theft.