What should consumers do?
Get your credit reports at AnnualCreditReport.com. By federal law, consumers can get a free copy of their credit report every 12 months from each of the three big agencies — Equifax, Experian and TransUnion.
Examine all your listed accounts and loans to make sure that the personal information is correct and that you authorized all transactions. If you find something suspicious, contact the company that issued the account and the credit-rating agency.
Visit nyconsumerlaw.com as well to discuss any inaccurate information appearing on your credit report.