Identity theft can create unfamiliar accounts, fraudulent charges, and damaging credit-report entries. Rahman Legal represents New Yorkers facing identity-theft-related consumer and credit-reporting problems. We help clients assess their documentation, understand their options, and address inaccurate information through the appropriate process.
If you see an account or transaction you do not recognize, act promptly: preserve records, contact the affected business, report the theft at IdentityTheft.gov, and review your credit reports. IdentityTheft.gov provides an FTC Identity Theft Report and a personal recovery plan.
When identity theft affects your credit report
Identity theft may appear as an account you did not open, an unfamiliar collection account, unauthorized use of an existing card, or inaccurate personal information. Consumers may dispute inaccurate information with the credit reporting company and the company that provided the information. The right approach depends on the facts, the records available, and the type of account involved.
How Rahman Legal can help
Rahman Legal focuses on consumer-law matters involving identity theft and credit reporting. We can review the issues you are seeing, the steps already taken, and the relevant communications to determine whether the matter fits the firm’s practice. No outcome is guaranteed; every matter is evaluated individually.
Identity theft issues we address
- Domestic identity theft
- Digital signature fraud
- Senior identity theft
- Unauthorized ATM charges
- Unauthorized bank transfers
- Unauthorized credit card transactions
What to do now
- Review statements, credit reports, and notices for unfamiliar information.
- Keep copies of letters, screenshots, account records, and a timeline.
- Use the affected company’s fraud process and request written confirmation of your report.
- Report the identity theft at IdentityTheft.gov and follow the recovery plan.
- Consider a fraud alert or security freeze and seek legal advice if inaccurate reporting or collection activity continues.
Frequently asked questions
Should I report identity theft before contacting a lawyer?
Reporting at IdentityTheft.gov can create an FTC Identity Theft Report and recovery plan. Keep a copy of the documents and any communications with businesses or credit reporting companies.
Can inaccurate identity-theft information be disputed?
Consumers can dispute information they believe is inaccurate. The CFPB explains that disputes may be sent to the credit reporting company and the company that furnished the information.
Does a credit freeze stop all fraud?
A freeze can help limit new-account fraud, but it does not necessarily stop misuse of an existing account. Contact the affected business promptly if you see suspicious activity.
Need help with identity theft affecting your credit? Contact Rahman Legal to request a consultation.