Identity theft happens every day, to ordinary people around the country and across Kentucky. One wrong click, a breached database, or a misplaced document have the power to turn your life upside down.

When debt collectors start calling about credit cards you never opened, you need real protection. That’s where the Law Office of Matthew L. Collins in Lawrenceburg steps in. Our consumer protection attorneys help Kentuckians fight back under both state and federal law.

Understanding Identity Theft Under Kentucky Law

Kentucky takes consumer protection law seriously. People can hold companies responsible for unfair or misleading activities under the Kentucky Consumer Protection Act (KRS 367).

You may be able to make a legitimate claim under this Act if a business misuses your information or neglects to protect it. This law covers unauthorized credit pulls, misrepresentation of terms in financial agreements, and other important forms of protection including:

  • Deceptive or misleading debt collection practices
  • Failure to safeguard consumer data that leads to identity theft
  • Misrepresentation or concealment of fees, interest rates, or repayment obligations
  • Improper sale or sharing of a consumer’s personal information
  • Use of false or misleading statements to obtain sensitive financial data
  • Unauthorized charges or transactions on existing accounts
  • Failure to provide accurate disclosures related to credit, loans, or financial services

it works side by side with federal laws that protect consumers from fraud.

Federal Protection Through the Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act adds another layer of defense for Kentucky consumers. You can read more about your rights under the FCRA here. This federal law requires credit reporting agencies to maintain accurate data and investigate disputes promptly. When they fail to correct false accounts or refuse to remove fraudulent debts, they can be held liable.

How Our Kentucky Consumer Protection Counsel Can Help

Identity theft cases are rarely simple. You may have accounts in collection that you didn’t open or find that your Social Security number has been used for tax fraud. Our consumer protection attorneys know how to navigate both state and federal procedures to stop further harm and start repairing your record.

Here’s how our team helps clients across Kentucky and in Anderson, Woodford, and Fayette Counties:

  • Investigating fraudulent activity and tracing the source of the breach.
  • Contacting creditors and collection agencies to dispute illegitimate debts.
  • Filing claims under the Kentucky Consumer Protection Act or FCRA.
  • Coordinating with law enforcement when criminal misuse of personal data is involved.
  • Negotiating credit report corrections with major bureaus.

Each case requires careful evidence gathering and persistence. We build timelines, preserve documentation, and communicate with every agency involved, so you aren’t left to handle it alone.

Why Local Representation Matters

Identity theft feels personal because it is—personal to you and your family’s mental wellness and financial health. Restoring your good name takes both legal know-how and empathy.

Large national firms and online templates can’t match the personal focus of our local practice that understands Kentucky law. Our office in Lawrenceburg is dedicated to serving clients throughout Central Kentucky. We know the local courts, the state enforcement process, and the real-world impact these cases can have on your credit, your finances, and your reputation.

Consumer Protection Attorneys Near Lawrenceburg, KY

If you suspect identity theft or if debt collectors are demanding payment for accounts you didn’t create, the time to act is now. The Law Office of Matthew L. Collins helps clients across Kentucky fight back and recover financially, mentally, and legally. Protect yourself under Kentucky’s Consumer Protection Act and take full use of your federal rights through the FCRA.

We serve Central Kentucky from our location in Lawrenceburg, Kentucky.Call our office or schedule a consultation on our website. We’ll help you understand your options, preserve your evidence, and take swift action to restore your credit and peace of mind.

Disclaimer: This blog provides general information and is not legal advice. Readers should seek professional counsel from our team at Matthew L. Collins Law Office before acting on their case without representation.