Both can happen. If a company or credit bureau refuses to fix your credit after you’ve shown evidence of ID theft, they might owe you damages (financial compensation) under laws like the Fair Credit Reporting Act. Plus, they typically have to pay your attorney’s fees. So you could end up with a clean credit report and a check for your troubles.

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