By Ashley Gordon, CFPB
Watch Venida’s story.
Consumers often come to us with complaints about problems with debt collection and related credit reporting issues. We forward their complaints to the companies and work to get a response from them. In Venida’s case, within weeks of submitting her complaints, she was able to get the inaccurate information on her credit reports removed.
“Now that I have received the help from [the] CFPB”, she said, “I feel as if I can go along with my life enjoying my grandchildren and my children…and not worry about… whether I’m going to be sued.” She continued, “It’s so important because older people my age get taken advantage of. These collections agencies have them thinking that they owe this, they owe that. They don’t know that there’s a resource out there that can help them like the CFPB.”
We’re glad Venida got the help she needed, and we want to make sure that you know that we’re here for you too. To share your experience or learn more from others, visit us at www.consumerfinance.gov/yourstory.
Mobile phones are a vital part of life. You may store passwords, account numbers, phone numbers, addresses all in this one device. If your phone is lost or stolen, your privacy, identity, and bank accounts could also be in jeopardy.
Cell phone carriers and manufacturers have taken steps to protect you, in these situations. The carriers manage stolen phone databases, where they can record your phone’s unique ID number when you report it missing. This makes it impossible for your lost or stolen phone to be reactivated on their network (also called “bricking”).
There are also apps available to help you locate your phone. Take steps to protect your phone’s content and your privacy:
Set up a PIN or password to access your phone’s home screen and settings.
Export and backup your sensitive information onto an external device, like a USB drive.
Report your lost or stolen phone to your cell phone carrier and the police immediately. Keep your cell phone provider’s phone number in a separate place so that you can report your lost phone. Ask for written confirmation from your carrier to verify that you reported your phone missing.
If you report your phone lost or stolen to your carrier, you are responsible for all fees incurred before you report it, but no charges after you report it missing.
Ask your carrier to remotely delete the content, contacts and apps on your phone.
Get more information on lost cell phones from the FCC
Identity thieves steal your personal information to commit fraud. They can damage your credit status and make it difficult to restore your good name.
Visit our Prevent and Report Identity Theft page for tips on reducing your risk of becoming a victim.
No one can remove negative information from your credit report. Repair your credit and learn to recognize scams.
Criminals are using technology to their advantage to steal your bank information. Learn to protect yourself.