Under the Fair Credit Reporting Act (FCRA), you have the right to order your free credit reports from Equifax, Experian and Trans Union due to fraud. You should review the reports carefully and dispute, in writing, any errors to the credit bureaus. The credit bureaus must delete inaccurate information.
Also, you should complete an identity theft report and submit it in support of your dispute letters. You may also consider adding a freeze to your credit file. This will prevent creditors from receiving your credit report when an application for NEW credit is made with a potential creditor.
For more information, visit www.itsyourcreditreport.com and click on the Frequently Asked Questions page.
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Robert Sola, Mike Baxter and Justin Baxter are Portland attorneys with the reputation of having the highest verdicts against Equifax and Trans Union. I have worked with them. I would recommend you give them a call.
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As the prior attorney mentioned, the proper method for dealing with this issue to obtain a free credit report disclosure from all three bureaus. Then complete an identity theft affidavit along with the police report, and send to every creditor that has a fraudulent account as well as the three credit bureaus. This will put everyone on notice and will give them an opportunity to rectify the issue. If they fail to fix the issues, you may then be entitled to a claim.
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Annualcreditreport.com is free and you'll get reports from all 3 credit bureaus and it's easy to dispute anything on them. And put a freeze on them so they contact you whenever someone attempts to use your credit. He probably has a driver license or state ID with your name and birthdate so contact the DMV and they will do there own internal investigation. It's pretty easy to do and should not cost much if you want an attorney to assist.