The Fair Credit Reporting Act (FCRA) has a section (605B) that allows the blockage of information from identity theft. It is fast and easy way to get rid of the negative information stemming from identity theft. Before implementing this, make sure you are the actual victim of identity theft. There is a little known error that can occur on your credit report called a file merger error. This is a glitch that merges another person’s information with yours. There will be more on file merger errors in the next section.
If you have been the victim of identity theft using section 605B as soon as possible will reduce the damage to your credit. There are a few things you will need to include along with your request. You will need proof of identity, a copy of the police report, name of disputed accounts and a statement that the disputed accounts are not your transactions.
Once the credit bureaus have your 605B request, they have to block the items you requested within four business days and start an investigation.