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What to do If you suspect you're a victim of identity theft: FIX ERRORS ON YOUR CREDIT CARD REPORT  Credit Repair in 30 days

 

MasterCard Bylaws 9.11.2
generally restrict merchants from requiring identification in face-to-face signature transactions. Of course the MasterCard rule is trumped by laws that require the merchant to verify the age of customers for certain kinds of purchases. Visa does not publish their rules but they have a similar requirement There are also some state laws (including California) that prevent merchants from recording ID information in connection with a credit card purchase (the merchant can insist on seeing the ID, they just can't record it).
From the Privacy Rights Clearinghouse"
Paying by Credit Card or Check: What Can Merchants Ask?
Many states have laws that dictate what kind of information merchants can and cannot ask for or write down when a consumer pays with a check or credit card. Those states and their applicable laws are listed.
The remaining information in this fact sheet applies specifically to California. Two California laws limit the collection of personal information by merchants when you pay by credit card or check. These laws were enacted to prevent fraud and limit the amount of personal information which can be collected by merchants. When a consumer pays with a credit card, the merchant cannot record any personal information other than what is on the front of the credit card. (California Civil Code 1747.8)
When a consumer pays with a check, the merchant cannot record the credit card number. (California Civil Code 1725)

Paying by Credit Card
What personal information can't a merchant collect when a consumer pays with a credit card?
Merchants cannot request or require that the consumer write any personal information, including address and telephone number, on any form associated with the credit card transaction when the consumer uses a credit card to pay for goods or services.
In addition, the merchant cannot ask the consumer to provide personal information that the merchant then records.Merchants cannot use credit card forms with pre-printed spaces for personal information.
Are there any exceptions? Yes.
A merchant can, in certain limited circumstances, collect personal information including when:

 

FIX ERRORS ON YOUR CREDIT CARD REPORT
Credit Repair in 30 days

Restore good credit, register disputes, correct outdated credit reports, and even avoid bankruptcy.

THE NATIONAL CONSUMERS LEAGUE'S NATIONAL FRAUD INFORMATION CENTER & INTERNET FRAUD WATCH

Put a Fraud Elert on your credit card.

Contact Credit Bureau:

Equifax
PO Box 740241
Atlanta GA 30374-0241
1-800-525-6285 To report fraud
1-800-685-1111 To obtain credit report
[order report]


Experian
PO Box 949
Allen TX 75013-0949
1-888-EXPERIAN (397-3742) To report fraud
1-800-682-7654 To obtain credit report
[order report]

Trans Union
Fraud Victim Assistance Division
PO Box 6790
Fullerton CA 92834
1-800-680-7289 To report fraud
1-800-916-8800 To obtain credit report

Trans Union President Harry Gambill
2 Baldwin Place
1510 Chester Pike
Cromlyn, PA
Director of Customer Service Mary Lane 610-546-4600 EXT: 52636
Sales 610-690-3175

Documents that show the reports TransUnion gives to lenders give information not included on consumer disclosures see example of non compliance of full disclosure as required by law.

Federal law requiring credit reporting agencies to disclose to the consumer "All information in the consumer's file at the time of the request... "

According to HSH Associates, a publisher of mortgage and consumer loan information, those with "A+" credit quality (no delinquency) get better rates than those with, for instance, "C-" credit quality. One of their definitions of C- is "Installment/Revolving" accounts 4-6 times late in the last 12 months (http://www.hsh.com/bcd-specs.html). So, the lender knows how many times the consumer was late in the past year because the lender's report gives that information. Trans Union's disclosures to consumers do not provide it.

The Fair Credit Reporting Act:

"Every consumer reporting agency shall, upon request, and subject to section 1681h(a)(1) of this title, clearly and accurately disclose to the consumer:

(1) All information in the consumer's file at the time of the request."

"All" information would include all-- not just some of-- the dates.

As of Jan 1, 2004, due to the new FCRA Act of 2003, all credit bureaus will be required to give out one free credit report per year. They are rolling this program out slowly as the year rolls on. Note: The Credit Bureaus are not required to give out your credit score for free. If you want to order a report  it is around $9.00 plus another $13.00 to see your score. The free reports are good for 30 days only, so make sure you print your reports if you get them online.

If you already got your 1 free report for the year but need another one there are exceptions to this one-per-consumer-per-year rule if you write to say you were a victim of fraud.

Credit Bureaus do not investigate disputed inquiries. They are say it is a "statement of fact".
WRONG - You can Get inquiries deleted.
The FCRA says that ANY information which is disputed on your credit report MUST be investigated. If they won't investigate, take their written letter to you as evidence they are breaking the law and file a lawsuit in small claims to collect $1000. 00

Sue Creditors, if you dispute a debt, and they fail to report it as disputed to the credit bureaus Protection under the FCRA LAW Section 623 for $1,000

Sue Creditors if they report your credit history inaccurately for Defamation, and financial injury.
USING US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan FOR the Extent of damages incurred by the wronged party as deemed by the courts.

Sue Creditors if they pull your credit file without permissible purpose FOR the Injury to your credit report and credit score using the FCRA Section 604 (A)(3) for $1,000

Many of your inquiring creditors may simply agree to delete the inquiry as a courtesy or because they cannot (or will not) verify your authorization. That is the goal. Remember, it is not likely that you will need all of your credit inquiries removed -- just enough of them to keep you from being denied credit.

Unauthorized Credit Inquiry, messing up your credit. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file.

Dear {COMPANY},
I recently received a copy of my TRW credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.
Sincerely,
{ your name}

If you read that a credit inquiry was authorized by you, then write back that the inquirer's authorization form was too complicated and not easily understood by the layman and
threaten to contact the State Banking Commission to complain about a deceptive and unclear authorization form if they don't remove your inquiry. Send each letter Certified Mail Return Receipt Requested and keep close track of the time that you sent the letter. If {COMPANY} who was the inquiring creditor - the one you sent your letter to -- doesn't respond within thirty 30 days you can demand that the inquiry be removed immediately or you will take them to small claims court, complain to the State Banking Commission or similar Federal Trade Commission 202-326-2222

REPORT ESTIMATES EXTENT OF IDENTITY THEFT
According to data from the National Crime Victimization Survey, which is conducted by the U.S. Department of Justice, identity theft affected an estimated 3.6 million households--with losses totaling $3.2 billion--in the first six months of 2004. The survey contacts a random sample of 42,000 households every six months and follows them for three years. The new data are from the first instance of the survey to specifically address identity theft. The most common types of theft were from unauthorized use of credit cards. Households with annual incomes of more than $75,000 and those headed by individuals between 18
and 24 years old were more likely to suffer identity theft, though the survey did not investigate the possible reasons behind these trends. 3 April 2006

CID Agent Combats Identity Theft With DVD
A new DVD was launched by the Treasury Department
recently which advises consumers on how they can protect themselves should they fall victim to identity theft.
Among the subject-matter experts who appeared on the video and were recognized at a Treasury ceremony Jan. 26 was Special Agent Howard Schmidt who serves with the CID Computer Crimes Investigative Unit located at Fort Belvoir, Va. The video is available and Instructions for initiating an alert may be obtained from the Federal Trade Commission's Web site.

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