MS HB1505

Victims of identity theft may send a certified letter to creditors requesting forgiveness of fraudulent debt and removal from credit reports.

If a creditor fails to comply within 60 days of receiving the certified letter, the victim may petition the chancery court in their county of residence or where the debt was incurred.

Victim's petition must include a sworn statement demonstrating they did not incur the debt, had no knowledge of it, did not consent to it, and received no financial benefit from it.

Victim must provide evidence of filing a formal complaint with local law enforcement where they reside or where the debt was incurred.

Upon successful court petition, the court shall order the creditor to release the victim from all debt obligations and authorize removal of the debt from the victim's credit history.