Requires credit reporting agencies to furnish proof of identity theft to creditors upon debtor's request

This bill requires credit reporting agencies to provide creditors with proof of identity theft upon a debtor's request. It directly affects debtors who claim they were victims of identity theft related to a specific debt. To qualify, debtors must submit a police report for that debt and a written statement (either an FTC affidavit or a certified declaration) including ID copies, details of the theft, and evidence like utility bills showing they lived elsewhere when the debt arose. The credit agency must keep this information on file for seven years.