Using the Internet Safely For Seniors

Figure 16-1

Under certain limited circumstances, a collection

agency may not be liable for repeated contact with a

debtor, even contacts that would otherwise violate the

statute. This is the case if it acts in good faith and the

contacts are covered by any one of several exceptions.

Visit http://www.ftc.gov/bcp/edu/microsites/

idtheft/consumers/defend.htmlfor more

about ID theft victim rights and recourses.

➟ Limitations imposed on reporting agencies:Within

thirty days of receiving proof of a consumer’s identifi-

cation and a copy of a filed police report verifying the

claim of identity theft, a credit reporting agency must

• Permanently block information from a credit
  report that may be the result of identity theft.


• Tell the entities furnishing information covered by
  the report that the information has been blocked.

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Part IV: Being Proactive