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FINANCIAL OPERATIONS & BUSINESS TECHNOLOGY

Victim of Identity Theft?

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What to do if your personal information has been used illegally

  • File a report with your local law enforcement agency as soon possible. You may have to file an additional report if the theft occurred outside their jurisdiction. A police report accomplishes two things: First, the police can start to investigate the crime. Second, you will need the case number to help you straighten out your account. Give this information to all the companies you contact about your accounts.
  • Contact the fraud departments of each of three major credit bureaus (details at bottom):
    • Experian:Phone1-888-397-3742
    • TransUnion:Phone1-800-680-7289
    • Equifax:Phone1-800-525-6285
  • Have all three agencies flag your accounts with a "fraud alert." Ask how long the alert will remain on your report, and how to extend the time, if needed.
  • Ask that all creditors contact you at a phone number you provide to verify all future applications.
  • Add a "victim's statement" to the report. Include your name, the problem, and a telephone number where you may be reached.
  • Have a copy of your credit report sent to you from each credit bureau. They will help you trace where and when any fraud occurred in your accounts.
  • Order new copies of your credit reports every few months to verify your corrections and changes.
    • Make sure no new fraudulent activity has been added to your report.
  • Identity thieves often strike the same accounts again and again. It is very important to continue to monitor your credit reports very closely for a while after the initial crime. Even with a "fraud alert," thieves may still find ways to open new accounts. Ask the credit bureaus if they will give free reports every few months.
  • Make sure to carefully document all of your actions.
    • Keep copies of correspondence and documents related to the theft.
    • Log all telephone calls, including the date and time of your call and the name and title of the person who assisted you.
    • Write letters to confirm all phone conversations. Include the date, the name of the person you spoke with, and what actions were taken.
    • Send documents and letters "Return Receipt Requested" and keep the postal receipt with your copy.
    • Use the ID Theft Affidavit to avoid having to complete different forms. This form can assist you in disputing inaccurate information that appears on your credit report as a result of fraud. Keep copies of these affidavits. The form is available at: Link http://www.consumer.gov/idtheft *.

Credit Bureaus

  • Experian's National Consumer Assistance
    This site’s fraud alert process is quick, thorough and easy to use. Upon entering this site, the consumer should click on the link “Steps to take if you are a victim of fraud or identity theft.” Next, click on the “Security Alert” link and complete the form. You can view your credit report, including accounts in good standing, credit history, personal information and more.
    • Experian's National Consumer Assistance
      P.O. Box 1017
      Allen, TX 75013
      Report Fraud: Phone 1-888-397-3742
      Order Credit Report: Phone 1-800-Experian (1-800-397-3742)
      Link www.experian.com *
       
  • TransUnion
    The services provided at this site are not free. There is not an online fraud alert process available on this site. Here, users can learn more about identity theft and how to identify, fix and prevent it. To do this, follow these two links: “Personal Solutions” tab followed by the “If you are a victim” tab, to learn more information. Also, you can receive a credit report for $34.95.
    • Fraud Victim Assistance Department
      P.O. Box 6790
      Fullerton, CA 92834
      Report Fraud: Phone1-800-680-7289
      Order Credit Report: Phone1-800-916-8800
      Fax: Fax714-447-6034
      Link www.transunion.com *
       
  • Equifax Credit Information Services
    Although this site outlines the steps to activate a fraud alert, through this company, consumers must make a telephone call to actually place a fraud alert on their accounts.
    • Consumer Fraud Division
      P.O. Box 105069
      Atlanta, GA 30348
      Report Fraud: Phone1-800-525-6285
      Order Credit Report: Phone1-800-685-1111
      Link www.equifax.com *
 

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