Fair Credit Reporting: 9.2.2.2 Initial Fraud Alerts
With respect to the first type of alert, the FCRA allows consumers who believe that they are or might be victimized by identity theft fraud or any other sort of fraud to require all nationwide CRAs to add a fraud alert to their files simply by calling one such CRA.56 Note that the FCRA provides consumers may seek an initial fraud alert merely upon a “good faith suspicion” that they are about to be victimized by identity theft or other fraud;57 consumers do not need to know definitively that they act