What kind of protection do I have if I'm a victim of identity theft?

If you are a victim of identity theft in Delaware, you are protected by the Delaware Identity Theft Protection Act. This law provides you with certain rights, such as the right to a free credit report, the right to place a fraud alert on your credit file, and the right to dispute inaccurate information linked to your identity. You also have the right to contact the three major credit bureaus (Equifax, Experian, and TransUnion) and request that they remove any fraudulent accounts or inquiries. The law also states that any negative information resulting from identity theft must be removed from your credit report within 30 days of receiving notification from you. The Delaware Identity Theft Protection Act also holds creditors and credit bureaus responsible for preventing, detecting, and correcting identity theft. This means that a creditor must implement and maintain reasonable measures to prevent the misuse of your personal information. In addition, the law states that you may be able to recover actual damages as a result of identity theft or fraud, such as attorney’s fees, court costs, and any other related expenses. You may also be entitled to receive up to $1,000 in punitive damages from a credit bureau or creditor that fails to meet its legal obligations in protecting your personal information.

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What kind of protection do I have if I'm a victim of identity theft?

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