07-13-2012 01:42 PM
07-13-2012 01:53 PM
Were you given any phone number or address on this "Investigator Wilson"?
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07-13-2012 02:03 PM - edited 07-13-2012 02:15 PM
The CRAs are required, upon notification from a consumer, to place an initial fraud alert in your credit file if you simply state that you have reasonable suspicion that you have, or are about to become, a victim of fraud or a related crime. Period. It does not vary by state, and requires no fee.
FCRA 605A (a)(1). It only requires your notification. Section 605A(d) goes so far as to require the CRAs to establish "simple and easy" procedures for requesting fraud alerts, "including by telephone."
States, in general, cannot impose limitations on rights under the federal FCRA that are more restrictive than those of the federal statute.
More specifically, FCRA 625(b)(5) states, unambiguously, that:
"No requirements or prohibitions may be imposed under the laws of any State with respect to the conduct required by the specific provision of section 605A."
Send them a request under FCRA 605A for an initial fraud alert. Take a peek at section 605A for details on its effect.
07-13-2012 02:12 PM - edited 07-13-2012 02:14 PM
07-16-2012 05:53 AM
Have you tried to google his telephone number with area code? It may show you some information. To file a "fraud alert" on your credit report, log on line to any cra and fill out their form. Or you can type a letter and mail it to the address listed on line. Do not send it to the dispute address. One credit reporting agency will then electronically transmit the information to the other major reporters. It is good for about 60 days. The service is free.
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