Miami Identity Theft & Credit Card Fraud Lawyer

Amongst the hustle and bustle of Miami, incidents are bound to occur. The state of credit card fraud and identity theft in the southern Florida city has reached new levels – ones that require strong and passionate law firms to hold criminals accountable. Sharmin & Sharmin has those attorneys, bringing to light the reality of fraud in Miami while additionally offering a myriad of legal services to future clients in need.

Contact our Miami, Florida identity theft and credit card lawyers today for a free consultation.

Why Sharmin & Sharmin Is the Go-To Fraud Firm in Miami

Our Florida-based firm has been actively defending victims in the community for years. Our values of dedication to justice and protection of our clients are ones that have led to the successful prosecution of cases across the state. Our Miami Debt defense attorney’s knowledge, experience, and attention to detail are what sets us apart from the rest. 

• We work on a contingency fee basis – you will not pay attorney fees unless we recover your money.
• Our extensive trial experience enables us to battle fraudsters in a court of law, making us Florida’s premier ID theft litigation team.
• Sharmin & Sharmin dedicates time and energy to the correction of negatively affected credit reports without extra fees.
• The Florida FCRA lawyers at Sharmin & Sharmin P.A. leverage federal laws such as the Fair Credit Reporting Act (FCRA) to your benefit.
• We offer virtual services, allowing you to know if you have a case or not in less than 24 hours.

Meet Our Miami, Florida Credit Card Fraud Attorney

Eiman Sharmin, Esq. is the founding attorney of Sharmin & Sharmin P.A. and an experienced trial lawyer dedicated to protecting individuals who have been treated unfairly. As the firm’s Senior Partner and Chief Litigation Counsel, he focuses on preparing cases for trial and fighting for the best possible outcome for his clients.

Attorney Sharmin represents individuals facing serious legal challenges, including credit card fraud, identity theft, and other fraud-related cases. His approach focuses on building strong cases, carefully examining the evidence, and aggressively defending his clients’ rights.

Earlier in his career, he served as a Certified Legal Intern at the Miami Public Defender’s Office, where he represented individuals accused of crimes who could not afford legal representation. This experience helped shape his commitment to protecting the rights of the accused and ensuring the government meets its burden of proof.

What Classifies as Miami, Florida Identity Theft?

There are many different types of identity theft that one must be aware of. As Miami itself sees a large number of cases on a regular basis, it is important that residents are aware of ways in which their identities might be stolen. Identity theft has become such a problem in recent times that government agencies have ramped up efforts to ward off fraudsters and inform the public. Usually, these types of crimes that are punished in a court of law have elements of financial loss.

Identity theft is defined as the fraudulent use of someone else’s identity, such as their name, social security number, or official documents in order to obtain services. 

How Identity Theft Problems Usually Show Up

Identity theft is not always obvious right away. Many people first learn that something is wrong when they get a bill, a denial letter, a collection notice, or a strange credit report entry. These warning signs can be confusing, especially when you know the account or debt is not yours.

• A debt collector contacts you about an account you never opened.
• Your credit score drops without warning.
• You are denied a loan, apartment, or credit card.
• A bank or lender says your information is tied to suspicious activity.
• A fraudulent account keeps reappearing after you dispute it.
• You receive bills for medical care, utilities, or purchases you did not make.

When these problems appear, it is important to take them seriously. Even one false account can affect your credit, finances, and peace of mind. A Miami identity theft lawyer can help you understand what happened, dispute the false information, and work to stop further damage.

How Identity Theft Can Harm Your Credit in Miami

One of the most stressful parts of identity theft is the damage it can do to your credit. Fraudulent accounts may appear as late, charged off, or in collections. Your credit score may drop, even though you did nothing wrong.

This can create real problems. A lender may deny your mortgage application. A car dealer may offer you a much higher interest rate. A landlord may reject your rental application. A bank may refuse to open an account for you. In some cases, an employer background check may raise questions because of inaccurate information.

Even after you dispute the problem, the credit bureaus or companies involved may not fix it the first time. Some victims send several disputes and still see the same false account listed months later. This is where legal help can make a difference.

What You Should Do If Someone Stole Your Identity in Miami

If you believe someone stole your identity, save every document connected to the fraud. Keep copies of credit reports, bills, collection letters, dispute letters, police reports, emails, screenshots, and account statements. These records may help show that the account does not belong to you.

You may also want to report the identity theft to the Federal Trade Commission and consider filing a police report. You can place a fraud alert or credit freeze with the credit bureaus to make it harder for someone to open new accounts in your name. You should also notify banks, credit card companies, lenders, and any business connected to the false account.

When you dispute false information, be clear and specific. Explain what is wrong, state that you are the victim of identity theft, and include supporting documents. Keep proof of when you sent your dispute and what you included.

Identity Theft Cases Can Take Time to Fix

Many identity theft victims are surprised by how long the cleanup process can take. Even after you report the fraud, the false account may still pass through several hands. A bank may report it to the credit bureaus. A debt collector may later try to collect it. Another company may buy or transfer the account. Each step can create additional records that need correction.

This is one reason identity theft cases can feel so frustrating. You may fix the problem with one company, only to see the same account appear somewhere else later. You may also have to send disputes to more than one credit bureau because each report may show different information.

The process can take time, but that does not mean you are powerless. Careful records, clear disputes, and legal help can make it easier to show what happened and push the right companies to correct their records.

Florida Law and Identity Theft

Under Florida law, it can be a crime for someone to willfully and fraudulently use another person’s personal identification information without permission. Personal identification information can include many types of private information, such as a Social Security number, driver’s license number, bank account number, or other identifying details.

However, victims often face problems that go beyond the criminal case. Even if the person who stole your identity is arrested, you may still be left with damaged credit, collection calls, denied applications, and false accounts that need to be removed. The criminal system may punish the offender, but it may not fully repair your credit or stop companies from reporting the wrong information.

That is why many identity theft victims need help on the civil side as well. A civil identity theft and credit reporting lawyer can focus on fixing the records, stopping the damage, and holding the right companies accountable when they do not follow the law.

When Credit Bureaus and Companies Fail To Fix the Problem

Identity theft cases often become more frustrating when you report the fraud, but the credit agencies do not correct the information. A credit bureau may verify an account without doing a careful review. A bank or lender may keep reporting the account as valid. A debt collector may continue collection efforts even after receiving documents showing that the debt came from fraud.

The Fair Credit Reporting Act gives consumers rights when credit report information is wrong. In many cases, credit bureaus and the companies reporting the information must conduct a reasonable investigation after receiving a proper dispute. They should review the information provided, look at the account history, and correct or remove any information they cannot verify.

Problems can arise when companies rely on rushed or automated reviews, ignore identity theft documents, or repeat the same answer without looking closely at the facts. When that happens, you may remain stuck with false debts and damaged credit. An attorney can review the dispute history, gather evidence, and determine whether the companies involved failed to meet their legal duties.

Building a Strong Record of the Fraud

A strong paper trail can make an identity theft case easier to understand. It can show when you first discovered the problem, which companies you notified, what proof you provided, and how each company responded. This timeline may help separate a simple mistake from a company that had the chance to fix the problem but failed to do so.

An attorney can also help organize the account history, credit report entries, dispute letters, and responses into a clearer story. That can matter when several credit bureaus, banks, lenders, or collectors are involved. The goal is to show not only that the account was fraudulent, but also that the damage continued after you put the right parties on notice.

Call Our Miami Identity Theft Lawyer Today For a Free Consultation

Our firm is made up of a world-class team with extensive legal experience and knowledge. For years, we have fought to recover our clients’ money that they have lost, even going so far as to correct damaged credit scores. Many of our customers are returning customers as they have future financial issues. 

It is for these reasons that south Florida residents choose Miami identity theft and credit card fraud lawyers from Sharmin & Sharmin P.A. time and time again. If you or a loved one is suffering at the hands of identity fraudsters, please contact us by filling out our online contact form or calling the number 1-844-Sharmin as soon as possible.