@EDub357 wrote:
They will block it from account then? Can it ever resurface?
With reason, yes.
§ 605B. Block of information resulting from identity theft
[15 U.S.C. §1681c-2]
(a)
Block.
Except as otherwise provided in this section, a consumer reporting agency shall
block the reporting of any information in the file of a consumer that the consumer
identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of –
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information relating to any
transaction by the consumer.
(b)
Notification.
A consumer reporting agency shall promptly notify the furnisher of
information identified by the consumer under subsection (a)--
(1) that the information may be a result of identity theft;
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(2) that an identity theft report has been filed;
(3) that a block has been requested under this section; and
(4) of the effective dates of the block.
(c) Authority to Decline or Rescind
(1)
In general.
A consumer reporting agency may decline to block, or may rescind any
block, of information relating to a consumer under this section, if the consumer
reporting agency reasonably determines that –
(A) the information was blocked in error or a block was requested by the con-
sumer in error;
(B) the information was blocked, or a block was requested by the consumer, on
the basis of a material misrepresentation of fact by the consumer relevant to
the request to block; or
(C) the consumer obtained possession of goods, services, or money as a result of
the blocked transaction or transactions.
(2)
Notification to consumer
. If a block of information is declined or rescinded under this
subsection, the affected consumer shall be notified promptly, in the same manner as
consumers are notified of the reinsertion of information under section 611(a)(5)(B).
(3)
Significance of block.
For purposes of this subsection, if a consumer reporting
agency rescinds a block, the presence of information in the file of a consumer prior to
the blocking of such information is not evidence of whether the consumer knew or
should have known that the consumer obtained possession of any goods, services, or
money as a result of the block.
