If you are a victim of identity theft, you may submit a police report to a CRA to exclude an account from your report that is there as a result of identity theft. This has nothing to do with the dispute procedure and completely bypasses it. See FCRA. See the Credit Scoring Primer for details.
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Identity theft

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3 years ago
Mon Jun 07, 2021 6:05 am
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Birdman
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Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 42 minutes Next Level in24 days, 3 hours, and 18 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 42 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 42 minutes ago
If you are a victim of identity theft, you may submit a police report to a CRA to exclude an account from your report that is there as a result of identity theft. This has nothing to do with the dispute procedure and completely bypasses it. See FCRA.

See the Credit Scoring Primer for details.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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