How to Prove Your Identity When You Are A Victim of Identity Theft
Among many difficulties that victims of identity theft have to endure, often times proving that you are the real person whose identity has been stolen (and the one who actually stole your identity) can be a real challenge. However, there are quite a few things that you can do to quickly prove that you are the victim, and not the identity thief.
Proving that you are an identity theft victim:
- Demand Documentation From Creditors:
Creditors are required by the law (the Fair Credit Reporting Act section 609(e)) to provide you within 30 days of receipt of your request and at no cost to you a copy of the application and/or any other transactional records pertaining to your identity theft. Your creditors will ask you to provide them with a copy of your identification (usually a government supplied ID, Driving License, etc.), a copy of your police report, as well as an Identity Theft Affidavit. Please note that your creditors may not provide you with any such documentation until such time that they are absolutely sure of your true identity. - Compare Signatures:
Use the documentation so obtained to demonstrate that you are a victim. You also may give permission to any law enforcement agency to get these records. Using the creditor provided documentation, you should be able to demonstrate that that the fraudulent signature on an application is not yours.
It may take some time, but once you have resolved your identity theft dispute with your creditors, it is essential that you obtain a letter from each of your creditors stating that they have closed the disputed accounts, and that they have discharged you of the fraudulent debts. You need to keep that letter on file considering that it is not uncommon for such fraudulent charges to somehow reappear on your credit report on a future date.
Therefore, even after you have proved your identity, and have successfully managed to get your creditors discharge you of any such fraudulent debt, it is prudent to keep a close eye on your credit reports and promptly report any suspicious activities.