Not necessarily.

One of the traps identity theft victims can fall into is believing that every denial means they need to send the credit bureau one more document, one more explanation, or one more dispute.

Sometimes another dispute really does make sense.

But sometimes repeatedly sending documents just creates an endless cycle:

You dispute. The bureau says no. You send more. The bureau says no again. You start wondering what magic piece of paper you haven't discovered yet.

There may not be one.

If you already disputed the fraudulent information, keep everything: your disputes, identity theft report or police report, credit reports, supporting documents, mailing records, and the bureau's responses. The exact information you provided and the reasons the bureau gave you can matter.

Then figure out what actually happened before automatically sending another dispute.

Maybe you have already done an extraordinary amount of work yourself. Good. That work may be important.

Or maybe you are staring at a pile of credit-report documents and have absolutely no idea what you are supposed to do next.

That is okay too.

You do not need to master the credit reporting system before asking a lawyer for help. If we take your case, our job is to understand what happened and manage most of the process from there. Your job is to participate honestly, give us the information and documents we need, respond when necessary, and be patient while we work through it.

The goal is not to keep disputing forever.

The goal is to figure out why the problem is still there and decide what should happen next.

For more on why an identity theft denial may not mean what it appears to mean, see:

https://www.cardozalawcorp.com/blog/i-reported-identity-theft-do-they-think-i-m-lying-.cfm

Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.