You don’t need to bombard every financial institution on Earth with frantic letters. Prioritize the specific fraud you’ve identified—get your credit reports, gather evidence, and send written disputes to the lenders or agencies involved. If they deny your dispute, it may be time for a professional ID theft attorney (often free to you) to take over and whip your file into shape.

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