A measure that vindicates those who were unfairly singled out for obligations they never contracted. What is it about?
The Constitutional Court of Colombia once again put the focus on the rights of citizens, this time in defense of those who have been victims of identity theft.
With the sentence C-413 of 2025, the high court determined that negative reports in risk centers such as Datacredit and TransUnion They must be eliminated or corrected when it is proven that the obligations were not acquired by the reported person, but rather as a result of fraud or personal falsehood.
The failure comes as a relief in the midst of a panorama where identity theft It has become a silent nightmare. Thousands of Colombians have had their scores affected credit, your access to credit and even job opportunities for debts they never incurred.
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The Court was clear in announcing that no one can be financially punished for crimes he did not commit. According to the decision, financial entities, service operators or businesses that have reported the obligation must suspend charges, interest and negative reports while the situation is clarified.
Once the impersonation is confirmed, the history must be rectified and appear with the legend “Victim of Personal Falsehood”to avoid further damage.
Who can access this benefit?
But the Court also made it clear that the benefit is not automatic. It only applies to those who prove to have been real victims of impersonation or fraud.
In these cases, those affected must file a claim formally before the entity that made the report, attaching the documents that prove your identity and, if possible, the complaint to the competent authorities.
The ruling also imposes a new responsibility on companies: strengthen identity verification controls to prevent third parties from contracting products or services on behalf of others.
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Experts in financial law celebrate the decision as they consider it a firm step towards the protection of good name and credit inclusion.
They also highlight that the challenge now will be implementation: that the entities comply with the new guidelines and the superintendencies ensure that the repair is effective.
With this error, the Constitutional Court makes it clear that the financial reputation of a citizen cannot be left at the mercy of other people’s errors or fraud committed by others. A decision that sets a precedent and restores peace of mind to those They were unfairly singled out for obligations they never contracted.
