When a bureau re-verifies a fraudulent account after you've disputed it with identity theft documentation, both the bureau and the creditor that opened the account may be independently liable — creating multiple defendants and stacked damages.
Statutory damages of $100–$1,000 per FCRA violation apply — and each bureau's failure to remove a fraudulent tradeline after proper dispute documentation is a separate violation. Multiple bureaus, multiple accounts = significantly multiplied damages.
The FCRA's fee-shifting provision requires the liable party — the bureau, the furnisher, or both — to pay all attorney fees when we prevail. You pay nothing out of pocket.
Do I Qualify?
Are fraudulent accounts
still on your report
after you disputed them?
Filing an FTC Identity Theft Report is the critical first step. If you’ve disputed the fraudulent accounts with that documentation and the bureau re-verified them anyway, you have a strong FCRA claim. We evaluate identity theft FCRA cases at no cost.
Common Identity Theft FCRA Violation Patterns
How identity theft creates FCRA claims
Unauthorized accounts opened in your name by a thief — credit cards, personal loans, auto financing, or retail store accounts — appearing on your credit report.
Hard credit pulls from lenders or creditors you never applied with — each inquiry is a separate item and may support independent FCRA claims.
You submitted an FTC Identity Theft Report and disputed the fraudulent accounts — but the bureau conducted a cursory reinvestigation and confirmed them as accurate.
The original creditor that was used to open the fraudulent account refused to block the tradeline despite receiving your identity theft documentation — independently liable under FCRA § 605B.
Each month a fraudulent account reports a delinquency, charge-off, or collection is another month of credit damage — and potentially another FCRA violation if the bureau continues to report it after documented disputes.
Mortgage, loan, housing, or employment denials that occurred while fraudulent accounts were on your report can support actual damage claims on top of statutory damages.
File your FTC Identity Theft Report at IdentityTheft.gov before doing anything else. This report is your legal documentation under FCRA § 605B and triggers specific bureau and furnisher obligations. Keep a copy — we will need it.
Dispute with all three bureaus in writing, separately, citing your FTC Report. Send disputes via certified mail with return receipt. If any bureau re-verifies the fraudulent account after receiving your documented dispute, that re-verification is itself an FCRA violation — separate from the original fraudulent account.
Why AJG Law Group
Why AJG Law Group
for your identity theft FCRA claim?
Identity theft FCRA cases are some of the most complex — involving multiple defendants, multiple violations, and ongoing credit damage. We handle all bureau and furnisher communications, documentation, and litigation so you can focus on rebuilding.
When a bureau re-verifies a fraudulent account after you've disputed it with an FTC Identity Theft Report, both the bureau and the furnisher may be independently liable. Multiple defendants = multiple damages.
The FCRA is fee-shifting. When we prevail against Equifax, Experian, or TransUnion — and the furnisher — they pay all attorney fees. You pay nothing.
AJG Law Group handles identity theft FCRA cases across all of California. We manage all communications with the bureaus and furnishers so you don't have to.
