Discovering that your personal information has been compromised is a violation of your privacy and financial security. For many victims, the initial discovery of identity theft is only the beginning of a long, frustrating journey. While the immediate stress involves closing accounts and changing passwords, the long-term challenge lies in credit restoration. At Cannon Legal PLLC, we understand that clearing your name and fixing your credit report requires more than just a few phone calls—it requires a firm understanding of your rights under the Fair Credit Reporting Act (FCRA).
The Fair Credit Reporting Act (FCRA) is a federal law designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. For victims of identity theft, the FCRA is a powerful tool. It grants you the right to dispute inaccurate information and mandates that credit bureaus—such as Equifax, Experian, and TransUnion—investigate and remove fraudulent accounts that do not belong to you.
Under the FCRA, once you provide documentation of the theft, such as an identity theft report, credit bureaus are generally required to block the fraudulent information from appearing on your credit report within four business days. However, the reality is often much more complicated than the law suggests.
The most common frustration for victims of identity theft is the failure of credit bureaus to take appropriate action. Despite clear evidence of fraud, many consumers find themselves in a cycle of automated responses and “verified” disputes where the bureau claims the fraudulent account is legitimate. This negligence can lead to denied loans, higher interest rates, and constant harassment from debt collectors seeking payment for accounts you never opened.
When the system fails, you need more than a dispute letter; you need legal advocacy. Cannon Legal PLLC specializes in holding these massive financial institutions and debt buyers accountable when they disregard your consumer rights.
Our firm is dedicated to leveling the playing field against powerful creditors and credit bureaus. We go beyond the basics of credit repair to provide comprehensive legal defense and litigation strategies. Our approach to identity theft recovery includes:
Whether the identity theft has resulted in fraudulent apartment leases, utility bills, or medical debts, Cannon Legal PLLC stands as a trusted ally. We also have extensive experience helping small business owners navigate merchant cash advance (MCA) disputes and protecting service members under federal law. You do not have to fight the credit bureaus alone. Our mission is to provide strong legal representation, restore your peace of mind, and help you move forward with a clean credit history.
If you have been a victim of identity theft and the credit bureaus are refusing to correct your report, it is time to take legal action. Contact Cannon Legal PLLC today to discuss how we can help you enforce your rights under the FCRA and hold negligent institutions accountable.