Suspect Identity Theft?
If you suspect identity theft, it is important to act quickly. We have provided a list of step-by-step actions to help aid in fraud resolution.
What to do if you suspect you are a victim of Identity Theft
- Place a “Fraud Alert” on your credit report, and review the reports carefully for all fraudulent activity. The three nationwide credit reporting agencies have electronic forms on their website to place an initial 90-day fraud alert or you can call their toll-free number.
- Equifax – www.equifax.com
- Experian – www.experian.com
- TransUnion – www.transunion.com
- Contact each company where an account was opened or charged without your knowledge.
- Follow up in writing, with copies of supporting documents.
- Use the ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement.
- Ask for verification that the disputed account has been dealt with and the fraudulent debts discharged.
- Keep copies of documents and records of your conversation about the theft.
- If you suspect your Social Security Number has also been compromised, report it to the Social Security Administration or your local Social Security office. You can contact them by phone, mail or online at www.ssa.gov.
- File a police report to help you correct your credit report and deal with creditors who may want proof of the crime.
- File a complaint with the Federal Trade Commission (FTC). Your report helps law enforcement officials across the county in their investigations. You can contact the FTC by phone, mail or online at www.ftc.gov/idtheft