Hello, I’m Daniel Ware, I’m your Mississippi consumer protection lawyer. My law firm is dedicated to ensuring your consumer rights. One of the areas that we run into is identity theft. It is a huge problem in the U.S., people steal your good name all the time. And as somebody said, it’s really easy to ruin a good name and almost impossible to get it back. Some people will take your information, take out social security, loans, and other things in your name, and you’re stuck with the bill, or at least on your consumer files or credit report, you’re stuck with the bill.
What do you do when you find that you’ve been a victim of identity theft? First of all, you need to find where it’s located that somebody allegedly took out a loan, credit card, or whatever it may be. Get in touch with that company and say, that’s not me. You probably even need to go to the police station, and fill out a report. Now they’re gonna ask, “Do you know who did this?” A lot of times, it could be your family member or somebody you don’t want to get in trouble, but yet, you’re gonna have to report it. If you don’t go to the police station, you can go on the Federal Trade Commission website and fill out an identity theft affidavit. And in that affidavit, it’s gonna ask you, do you know who the person is? Sometimes you do. Sometimes you don’t. But it’s going to ask in there, are you interested in prosecuting if you know who it is? And even though this is your family member or a friend that you don’t really want to prosecute, it is your good name. That’s a choice you have to make. But remember, you could be stuck with the consequences of not doing something. You need to then submit it to whoever is reporting that incident on your consumer file, whether it be a credit report, an NCIC report, or something else. You want to try to get the maximum possible accuracy on all these reports. If you have questions about it, give us a call. Remember, when life gets unfair, it’s time to call Ware.