Nevadans face the highest risk of identity theft in the United States, according to a recent study by Securelife.com. The study looked at FBI statistics and data, such as the average loss per consumer and other general risk factors for each state. The average loss per identity theft victim in Nevada is $6,000, and the number of victims affected is 14 out of 100,000. In 2017, Nevadans lost $2.58 million to identity theft, which is more than double the next state on the list.
This survey demonstrates that identity theft and fraud in Nevada, and Las Vegas especially, must be addressed starting with better credit education. Las Vegas consumers should pull their credit reports at least annually to ensure the information is accurate and up-to-date. If you notice an error or fraudulent transaction, the first step is to initiate a "fraud alert" to prevent future damage. Next, Nevada consumers should visit Identitytheft.gov to fill out an FTC Identity Theft Victim’s Report and submit this report to the bureaus along with information about each fraudulent entry.
The national credit bureaus and data furnishers have 4 days to block the fraudulent information, and 30 days to investigate and remove it from your reports. If they fail, you have a legal claim against them under federal law that includes your attorney’s fees and costs as a measure of your damages. These companies must also cover your out-of-pocket damages, including loss of credit limits, loan denials, and financial losses. If you’re an identity theft victim, contact a Las Vegas identity theft lawyer as soon as possible to discuss your legal options.