- Contact your local Law Enforcement Agency and file an Identity Theft report. This will assist you when working with your financial institution, creditors, and major credit bureaus.
- File a report with the Federal Trade Commission (FTC). Fill out an ID Theft Affidavit.
Go to: www.idtheft.gov; Or Call:1-877-IDTHEFT (1-877-438-4338) TTY: 1-866-653-4261
- Contact your financial institution. You may need to:
- Put stop payments on any lost checks
- Cancel your existing debit card
- Close existing account(s)
- Open new accounts
- Contact the three major credit reporting bureaus.
Ask for a 90-Day Fraud Alert to be placed on your file.
- Contact all creditors by phone, and in writing. Include any mortgage, HELOC, business, auto, personal loans, and credit cards. File a law enforcement Identity Theft report and ID Theft Affidavit with each creditor.
- Notify your Post Office. Ensure your address is accurate as most correspondence will be conducted via US mail. USPS: www.usps.com/websites/depart/inspect; 1-800-275-8777
- Notify the Social Security Administration if your social security card has been comprised. Report benefit, unemployment, or welfare fraud: SSA Fraud Hotline: 1-800-269-0271; www.socialsecurity.gov/oig
- Notify the State Department Passport Office. Ask them to monitor for new passports opened in your name: Call: 1-977-487-2778; or visit http://travel.state.gov/.
- If your passport is lost or stolen: http://travel.state.gov/content/passports
NOTE: Keep copies of all correspondence and document any communication exchanges.
- To report Check Fraud; contact ChexSystems and TeleCheck
- ChexSystems: www.chexhelp.com 1-800-428-9623
- TeleCheck: www.telecheck.com 1-800-710-9898
- To file an online complaint with the Internet Crime Complaint Center (IC3): www.ic3.gov
- Monitor your credit report periodically. You can get free annual reports online at: www.annualcreditreport.com
- If you experience phone or utility fraud: Contact any utility companies (Phone, Cell Provider, Water, and Electricity) affected by the theft.
- If you are contacted by a Collection Agency:
- Notify them that you did not accumulate the debt, and that you are a victim of identity theft.
- Provide a copy your Law Enforcement Identity Theft report and/or ID Theft Affidavit.
- If you believe you’ll have tax repercussions as a result of identity theft, contact the IRS at:
http://www.irs.gov/uac/Identity-Protection, or call: 1-800-908-4490
Federal Trade Commission (FTC): http://www.consumer.ftc.gov/