Virginia law allows consumers to report identity theft to law enforcement and request blocking of related fraudulent information on their credit reports. Consumer reporting agencies must act within 30 days to block such information and notify furnishers. They may rescind blocks if certain conditions, such as misrepresentation or fraud, are met.
You can report identity theft to your local law enforcement agency and submit a copy of the police report to a consumer reporting agency to request a block on fraudulent information.
The agency must, within 30 days, block the reporting of any information linked to the identity theft and notify the furnisher of the information about the police report and the block.
Yes, agencies may rescind a block if they believe it was made due to misrepresentation, fraud, error, or if the consumer knowingly benefited from the blocked transactions.
Blocking can be rescinded if the agency finds evidence of fraud, misrepresentation, or if the consumer's claim is proven false, ensuring only legitimate cases are maintained.