Federal law generally limits the liability of victims of credit identity theft for fraudulent charges. In many cases, if the theft is reported quickly, victims may not be responsible for any unauthorized charges.

Also, California's Identity Theft Resolution Act provides a standardized process for disputing fraudulent accounts and charges with creditors, providing additional protections for California residents who are victims of credit identity theft.


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