please note that there is an FTC Identity Theft Notice that you (as a CRA) are required to provide to any consumer who claims to be a victim of identity theft.  


I also suggest directing the applicant/consumer here:

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

http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt09.pdf
 

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