Use this identity theft guide to build a clear demand letter for Wellington.
Evidence checklist for Wellington
Document the facts before sending your demand letter.- Contracts, invoices, or lease terms
- Photos, screenshots, or inspection reports
- Written communication and timelines
Timeline after sending
Give a firm deadline, track delivery, and be ready to escalate if the other side refuses to respond.The Identity Theft Recovery Plan
File a Police Report
Get an official police report documenting the identity theft. This is crucial evidence for disputes.
FTC Identity Theft Report
File at IdentityTheft.gov. This creates an official affidavit and recovery plan.
Freeze Your Credit
Place security freezes at all three bureaus (Equifax, Experian, TransUnion) to prevent new fraudulent accounts.
Federal Law Protects Fraud Victims
The FCRA gives you the right to dispute fraudulent items. Creditors must investigate and remove items they can't verify. You're not liable for fraudulent debts.
Wellington Identity Theft Laws
Applicable Laws
- Privacy Act 2020
- Crimes Act 1961
Small Claims Limit
NZD $30,000
Notice Period
20 days
Consumer Protection Agency
IDCARE NZ
Identity Theft FAQ
Am I liable for fraudulent accounts?
No. Under federal law, you're not responsible for debts incurred through identity theft once you report them properly.
How do I dispute with credit bureaus?
Send written disputes to each bureau with your FTC Identity Theft Report and police report. They must investigate within 30 days.
Will this affect my credit score?
Once fraudulent items are removed, your score should recover. The dispute process itself doesn't hurt your credit.
What if a debt collector keeps calling?
Send a written dispute with your identity theft documentation. They must stop collection until they verify the debt is legitimate.
How long does recovery take?
Simple cases may resolve in 30-90 days. Complex cases with multiple fraudulent accounts can take 6-12 months.
Should I close my existing accounts?
Only if they were compromised. Otherwise, consider fraud alerts and monitoring rather than closing established accounts.
What about medical identity theft?
Request your medical records and dispute fraudulent entries. Medical identity theft can be serious - it may affect your actual health records.
About FreeDemandLetter
FreeDemandLetter provides free, AI-powered demand letter generation with location-specific legal citations. Our content is reviewed by subject matter specialists and regularly updated to reflect current laws. We help thousands of people resolve disputes effectively—but we're not lawyers, and this isn't legal advice. For complex situations, consult a licensed attorney in your jurisdiction.
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