Clear Your Name and Protect Your Future
Being a victim of identity theft can feel like a financial and emotional nightmare. You are left dealing with fraudulent accounts, damaging credit report errors, and relentless calls from debt collectors for debts that aren’t yours.
You don’t have to fight this battle alone.
At Cannon Legal PLLC, we understand the devastating impact identity theft has on Texas consumers. We are committed to aggressively representing you to help clear your name, correct your credit history, and hold those responsible—including creditors and credit bureaus—accountable under state and federal law.
A Critical Texas Right:
Texas law grants victims of identity theft the right to seek a court order declaring that they are a victim of identity theft. This order can be used to help correct inaccurate or false records with private businesses and governmental entities.
Don’t Wait—Identity Theft is a Time-Sensitive Problem.
The longer false information remains on your credit report, the more difficult it can be to secure loans, housing, and even employment. Protect your financial future and your peace of mind.
Stop the Damage: How We Help Identity Theft Victims
Our legal representation is focused on getting your life back on track and ensuring your rights as a consumer are protected. In Texas, you have specific rights that allow you to challenge the false information resulting from identity theft.
We can assist you by:
- Disputing Fraudulent Debts: We use the law to formally notify creditors and debt collectors that you are a victim of identity theft, which can stop their collection efforts on the fraudulent accounts.
- Correcting Credit Report Errors: We aggressively pursue the removal of all inaccurate, fraudulent, or incomplete information from your credit reports (Equifax, Experian, and TransUnion) that resulted from the theft.
- Navigating the Complex Legal Process: We guide you through the process of filing a police report and an Identity Theft Report with the Federal Trade Commission (FTC), which are crucial steps in asserting your victim status.
- Pursuing Litigation: When credit bureaus or creditors fail to comply with the law and continue to report inaccurate information, we are prepared to file a lawsuit to secure the relief you deserve, including compensation for damages.
- Protecting You from Harassment: We ensure that you are free from abusive or illegal debt collection tactics related to the fraudulent accounts.
What You Need to Do First (The Legal Foundation of Your Claim):
- File an FTC Identity Theft Report: Go to IdentityTheft.gov to report the crime. This official report is a powerful tool to share with creditors and credit bureaus.
- File a Police Report: Report the crime to your local police department. This establishes a paper trail that is essential for legal action and for dealing with financial institutions.
- Place a Fraud Alert or Security Freeze: Contact at least one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a free fraud alert on your file. This requires businesses to verify your identity before opening new credit. You may also consider a security freeze for maximum protection.
Texas Identity Theft FAQ’s
Absolutely. We specialize in handling Debt Collector Abuse and FDCPA Violations. Once a creditor or collector is aware that our law firm represents you, they cannot contact you directly. We can leverage the federal Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) to send cease and desist letters and make the harassing calls stop.
Yes. Our firm helps Texas consumers with Credit Reporting and FCRA Violations. We can help you understand your rights, guide you through the dispute process, and potentially seek legal remedies like injunctions and damages for violations of credit reporting laws. Through our Dispute and Resolve (D&R) service, we also work directly with the creditors to find exceptions and negotiate the removal of the account.
The initial step is to dispute the error in writing with both the credit bureau that issued the report and the company that provided the information (the furnisher). You should first obtain your credit reports and then dispute any inaccuracies in writing with both parties.
We offer a free initial consultation to discuss your case and determine how we can help. You can schedule a free consultation online at https://jgh.tocall.me. You can also call our Intake/New Clients line at (800) 890-8585
We proudly serve consumers across the entire state of Texas. If you are a consumer outside of Texas, we can provide you with referrals to an attorney at the National Association of Consumer Credit Attorneys (NACCA).
If a credit bureau or furnisher refuses to correct an error after an investigation, or negligently or willfully violates the FCRA, you may have grounds to file a lawsuit. For willful FCRA violations, you may be able to recover statutory damages (between $100 and $1,000), actual damages (including financial losses and emotional distress), and if you prevail, have your attorney’s fees and court costs paid by the creditor/furnisher
To help us evaluate your case, you should provide relevant documents. This includes documentation of communications you’ve had with creditors or collectors, copies of your credit reports and any dispute responses, and a detailed timeline of events and interactions
Tired of Fighting the Fallout of Identity Theft Alone?
Identity theft leaves you battling credit bureaus and debt collectors using endless disputes, but Cannon Legal PLLC takes over your fight. We utilize the Fair Credit Reporting Act (FCRA) to compel corrections, stop collection calls, and pursue justice for the harm you’ve suffered.
