Contact the fraud departments of the three major credit bureaus Report that your identity has been stolen. Ask that a fraud alert be placed on your file and that no new credit be granted without your approval. At the same time, order copies of your credit reports from the credit bureaus. Credit bureaus must give you a free copy of your report if your report is inaccurate because of fraud, and you request it in writing. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts.
Also, check the section of your report that lists inquiries. Where inquiries appear from the company(ies) that opened the fraudulent account(s), request that these inquiries be removed from your report. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred. To report fraud, call and write...
Contact the creditors or financial institutions where fraudulent accounts have been opened Creditors can include credit unions, banks, credit card companies, phone companies and other utilities, and other lenders. Ask to speak with someone in the security or fraud department of each creditor, and follow up with a letter. It's particularly important to notify credit card companies in writing because that's the consumer protection procedure the law spells out for resolving errors on credit card billing statements. Immediately close accounts that have been tampered with and open new ones with new Personal Identification Numbers (PINs) and passwords. Here again, avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your Social Security Number or your phone number, or a series of consecutive numbers.
File a report with your local police or the police where the identity theft took place Get a copy of the report in case the credit union, bank, credit card company, or others need proof of the crime later on.
There's no question that identity thieves can wreak havoc on your personal finances, however there are some things you can do to take control of the situation. For example:
Stolen mail If an identity thief has stolen your mail to get new credit cards, financial institution statements, pre-screened credit offers, or tax information, or if an identity thief has falsified change-of-address forms, that's a crime. Report it to your local postal inspector. Contact your local post office for the phone number for the nearest postal inspection service office or check the Postal Service website at postalinspectors.uspis.gov/.
Change of address on credit card accounts If you discover that an identity thief has changed the billing address on an existing credit card account, close the account. When you open a new account, ask that a password be used before any inquiries or changes can be made on the account. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers. Avoid using the same information and numbers when you create a PIN.
Credit Union and Bank accounts If you have reason to believe that an identity thief has tampered with your credit union or bank accounts, checks or ATM card, close the accounts immediately. When you open new accounts, insist on password-only access to minimize the chance that an identity thief can violate the accounts.
If your ATM card has been lost, stolen or otherwise compromised, cancel the card as soon as you can and get another with a new PIN.
Investments If you believe that an identity thief has tampered with your securities investments or a brokerage account, immediately report it to your broker or account manager and to the Securities and Exchange Commission.
You can file a complaint with the SEC by visiting the Complaint Center at www.sec.gov/complaint.shtml. Be sure to include as much detail as possible. Or you can write to the SEC at: SEC Complaint Center, 100 F Street NE, Washington, DC 20549-0213, or call 202.551.6551.
Phone service If an identity thief has established new phone service in your name; is making unauthorized calls that seem to come from and are billed to your cellular phone; or is using your calling card and PIN, contact your service provider immediately to cancel the account and/or calling card. Open new accounts and choose new PINs.
If you are having trouble getting fraudulent phone charges removed from your account, contact your state Public Utility Commission for local service providers or the Federal Communications Commission for long-distance service providers and cellular providers at http://www.fcc.gov/complaints or 888.CALL.FCC.
Employment If you believe someone is using your Social Security number to apply for a job or to work, that's a crime. Report it to the SSA's Fraud Hotline at 800.269.0271. Also call SSA at 800.772.1213 to verify the accuracy of the earnings reported on your Social Security number, and to request a copy of your Social Security Statement. Follow up your calls in writing.
Driver's license If you suspect that your name or Social Security number is being used by an identity thief to get a driver's license or a non-driver's ID card, contact your Department or Registry of Motor Vehicles. If your state uses your Social Security number as your driver's license number, ask to substitute another number.
Bankruptcy If you believe someone has filed for bankruptcy using your name, write to the U.S. Trustee in the Region where the bankruptcy was filed. A listing of the U.S. Trustee Program's Regions can be found at www.usdoj.gov/ust, or look in the Blue Pages of your phone book under U.S. Government Bankruptcy Administration.
Your letter should describe the situation and provide proof of your identity. The U.S. Trustee, if appropriate, will make a referral to criminal law enforcement authorities if you provide appropriate documentation to substantiate your claim. You also may want to file a complaint with the U.S. Attorney and/or the FBI in the city where the bankruptcy was filed.
Criminal records/arrests In rare instances, an identity thief may create a criminal record under your name. For example, your impostor may give your name when being arrested. If this happens to you, you may need to hire an attorney to help resolve the problem. The procedures for clearing your name vary by jurisdiction.
Under certain circumstances, SSA may issue you a new Social Security number at your request if, after trying to resolve the problems brought on by identity theft, you continue to experience problems. Consider this option carefully. A new Social Security number may not resolve your identity theft problems, and may actually create new problems. For example, a new Social Security number does not necessarily ensure a new credit record because credit bureaus may combine the credit records from your old Social Security number with those from your new Social Security number.
Even when the old credit information is not associated with your new Social Security number, the absence of any credit history under your new Social Security number may make it more difficult for you to get credit. And finally, there's no guarantee that a new Social Security number wouldn't also be misused by an identity thief.
Take Charge: Fighting Back Against Identity Theft This publication is the source of most of the information on this page. Also available in pdf format (52 pages).
Printable ID Theft Affidavit (pdf format, 8 pages) This form was developed by the FTC so people would only need one form to report an identity theft to all parties.
File an ID Theft Complaint with the FTC The FTC collects complaints from identity theft victims and shares their information with law enforcement nationwide. This information may also be shared with other government agencies, consumer reporting agencies, and companies where the fraud was perpetrated to help resolve identity theft problems.
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