FEDERAL LAW · PRIMARY SOURCE
Identity Theft Credit Block — Section 605B
Fair Credit Reporting Act · 15 U.S.C. § 1681c-2
If you're a victim of identity theft, the bureau must block fraudulent accounts from your credit report within 4 business days of receiving your identity theft report. This is stronger than a regular dispute.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681c-2
Section 605B requires consumer reporting agencies to block reporting of information the consumer identifies as resulting from identity theft within 4 business days of receiving an identity theft report, proof of identity, and identification of the information to be blocked.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act