Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I'm a 20 year old college student and I'm a victim…

Customer Question
Hello, I'm a 20 year...
Hello, I'm a 20 year old college student and I'm a victim of identity theft. I have something on my credit report from the identity theft issue which is causing me problems. How can I resolve this issue?
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 5 minutes by:
3/17/2016
Consumer Protection Lawyer: DrakeLAW, Lawyer replied 2 years ago
DrakeLAW
DrakeLAW, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 1,038
Experience: Attorney at Drake Law Firm PLC
Verified

Hello and welcome to JustAnswer, my name is ***** ***** I am an attorney. Please note:This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. This question and response may be viewed by other parties as noted in JA’s terms of service. By continuing, you confirm that you understand and agree to these terms. By continuing, you confirm that you understand and agree to these terms.

I am sorry to hear about your identity theft situation. You need to dispute that item with the three credit bureaus to get it removed. There are many websites with the exact process to do it. Google "dispute credit report form" or something like that. The credit bureaus all have online forms and quite clear instructions. In case you didn't know, the three bureaus are Transunion, Equifax, and Experian. You should also file an identify theft report with each of them which is plainly visible from each other their websites. Does that make sense?

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
Is filing a dispute the only way I can resolve this issue? I've tried applying for three different credit cards and I've been denied every last one. The identity theft is the only thing I have on my record. Is there any other suggestions where I can build credit while having that on my file?
Consumer Protection Lawyer: DrakeLAW, Lawyer replied 2 years ago

Filing a dispute is the only way to get it off your credit report yes. Or contacting the company reporting it and working it out with them and then they can remove the reporting. It can be difficult to build credit. One way is to get a secured credit card. This is where you put down the money for your limit. So if you get a $500 limit card you would give them $500 and that would be your limit, usually after a year they convert it to an unsecured card and you get your $500 back or you can just use it to pay down any balance.

Thank you for your question. It has been my pleasure to assist you and I welcome you to request my assistance in any future legal questions you may have, by simply placing my name in the first sentence of your new question. Finally, please be so kind as to promptly rate this answer so that it may be closed in the system. I wish you the best in your endeavors! -Rich

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
I tried a secured credit card and I was dnied for it.
Consumer Protection Lawyer: DrakeLAW, Lawyer replied 2 years ago

That is very strange since it is secured. It is certainly a chicken and egg problem. You need to get those bad items off your credit report then try again.

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask DrakeLAW Your Own Question
DrakeLAW
DrakeLAW
DrakeLAW, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 1,038
1,038 Satisfied Customers
Experience: Attorney at Drake Law Firm PLC

DrakeLAW is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

7,125 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
My grandson went to the DMV to get a new license. He took
My grandson went to the DMV to get a new license. He took his passport, his birth certificate, his SS card with him. All of the contents were stolen from his car. He is on his way back to college righ… read more
Zoey, JD
Zoey, JD
Doctoral Degree
198 satisfied customers
I need you to research some case law on schools falsely
I need you to research some case law on schools falsely reporting that student received loans when student in fact never did and instead of the school reS r from being resolved in an attempt to enable… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
Running credit cards in: The Fraud Examiner will know what
bad credit report, someone has been using my name on credit cards… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
If someone is involved in a credit card fraud and identity
If someone is involved in a credit card fraud and identity theft case can they buy a car in their name… read more
Attorney 1
Attorney 1
2,703 satisfied customers
Dominion is trying to charge me bill to a house I have
Dominion is trying to charge me for a bill to a house I have never lived in. Now they have shut off my gas at my home. What can I do to stop this unfair billing. The bill was from 2009-2010 and they j… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I just found out that Verizon is after me for $3,500 in
I just found out that Verizon is after me for $3,500 in uncollected bills. I never had any dealings with Verizon and no one in my household did. I called them and filled some forms claiming that was f… read more
CalAttorney2
CalAttorney2
Attorney
Doctoral Degree
8,845 satisfied customers
Hello I've recently been the victim of identity theft and I
Hello I've recently been the victim of identity theft and I believe the source of the problem is someone who works with my financial accounts. What should I be doing to protect myself and how can I ge… read more
CalAttorney2
CalAttorney2
Attorney
Doctoral Degree
8,845 satisfied customers
I am being harassed by a hospital that I haven't been at for
I am being harassed by a hospital that I haven't been at for 10 years, they say I owe money there and they are proving an old id I showed them 10 years ago when in fact it wasn't me who was seen. is t… read more
Attorney 1
Attorney 1
2,703 satisfied customers
Counselor Jim, I have had a major case of identity theft and
Counselor Jim, I have had a major case of identity theft and it's been reported and is listed on my credit reports. The person or persons who have done this to me continue, they have ruined about 8 ba… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I am a victim of identity theft and it began back in march
I am a victim of identity theft and it began back in march of last year I was able to send a police report and ftc affidavit and statement stating that the accounts are not mine and copies of my ID an… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
4,022 satisfied customers
I need help with identity fraud. IRS states that someone else
I need help with identity fraud. IRS states that someone else used my SS# XXXXX file a return. IRS had me call & speak with Fed Trade Comm. They had me print out 7 page "Identity Theft Victim's Compla… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
Could you answer a question about student financial aid? I
Could you answer a question about student financial aid? I have an issue with an overpayment and the school is demanding that I come up with $30,000 over the next 2 weeks or I will be administratively… read more
Ely
Ely
Counselor at Law
Juris Doctor
3,436 satisfied customers
In NJ, Can a minor be responsible for a utility bill even thou
In NJ, Can a minor be responsible for a utility bill even thou he was not the one that requested the service and his information was used to open an account?… read more
LegalGems
LegalGems
Juris Doctorate
12,735 satisfied customers
My legal problem involves my credit card accounts and invasion
My legal problem involves my credit card accounts and invasion of privacy which leads to the bank declaring identity theft. The bank's negligence caused the invasion of privacy by breaching my persona… read more
CounselorJim
CounselorJim
Attorney
Doctoral Degree
360 satisfied customers
I just got a letter from a Collection agency stating that I
I just got a letter from a Collection agency stating that I own $9000 plus dollars. I have no outstanding late bills ever and as per my credit report all my past and current credit cards are current o… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
My wife an I both were victims of severe identity theft. all
My wife an I both were victims of severe identity theft. all intications show that our identities were compromised through our bank refinance.… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
I have a credit report problem concerning my x-wife. I used
I have a credit report problem concerning my x-wife. I used a joint credit card that I received after our divorce and created several thousand dollars in charges. Due to severe financial problems I co… read more
Steinlaw
Steinlaw
Attorney/Principal
JD
1,704 satisfied customers
I have a situation, where my son has forgeded my signature ...
I have a situation, where my son has forgeded my signature onto a document authorizating a credit card company to collect debt he feels has occurred. i have noit authorized this signature and was unaw… read more
Anne_C
Anne_C
Attorney
Doctoral Degree
13 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x