What kind of protection do I have if I'm a victim of identity theft?
If you are a victim of identity theft in California, there are certain protections put in place to help you recover. Under the California Consumer Credit Card Act, creditors must investigate any claims made by consumers that their information has been used in an unauthorized transaction by an identity thief. Creditors must also make all reasonable efforts to protect customer information from being stolen and must provide written information on how to make a claim in the event of identity theft. Additionally, if you are a victim of identity theft, you are not liable to pay any of the fraudulent charges that have been made. This means that you do not have to pay for charges on your credit card or bank account that were made without your authorization. If you think that you have been a victim of identity theft, it is important to contact the creditor as soon as possible. Your creditor should provide you with any forms or documents that you need to make your claim. It is also important to contact the police and file a report to document the identity theft. In California, the Department of Justice has established a hotline to report identity theft. Additionally, you can report identity theft to the Federal Trade Commission who will provide you with further resources to help you recover. Overall, if you have been a victim of identity theft in California, there are many protections in place to help you recover, including the ability to dispute fraudulent charges, credential investigations, and reporting to the police and FTC.
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