Bill > A03039

This bill requires credit reporting agencies to help victims of identity theft by compelling them to furnish proof of identity theft to creditors when requested by a debtor. Specifically, the bill establishes detailed procedures for documenting and proving identity theft, which include accepting either a valid police report or a written statement from the victim. The written statement must include various supporting documents such as a driver's license, identification of potential responsible parties, specific facts about the theft, and an explanation of how the debt was not incurred by the victim. The credit reporting agency must keep these identity theft records on file for seven years. If a person submits a false certification, they could be guilty of a misdemeanor. The bill provides a standardized certification form for victims to use when claiming identity theft, which includes an explicit statement that the representations are true and contains no material omissions. The law will go into effect 90 days after it is signed, providing a clear process for consumers to dispute debts resulting from identity theft and helping protect them from financial harm.

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https://www.nysenate.gov/legislation/bills/2025/A3039