Fair Credit Reporting: 9.2.1.2a Identity Theft Report
Regulation V defines the term “identity theft report.”31 This definition imposes some significant burdens on consumers. Thus, any consumer seeking to invoke the extended fraud alert32 or the blocking provisions of the FCRA,33 should check to make sure that any police report meets the regulation’s requirements.
To qualify as an “identity theft report” under the FCRA, the report must meet the following criteria: