|
What Should I Do If I've Become A Victim Of Identity Theft?
If you think you've become a victim of identity theft or fraud, act immediately to minimize the damage to your
personal funds and financial accounts, as well as your reputation. Here's a list of some actions that you should take right away:
-
-
By telephone toll-free at 1-877-ID THEFT (877-438-4338) or TDD at 202-326-2502, or
-
By mail to Consumer Response Center, FTC, 600 Pennsylvania Avenue, N.W., Washington, DC 20580.
-
You can also call your local office of the FBI or the U.S. Secret Service to report crimes relating to identity theft and fraud.
You may also need to contact other agencies for other types of identity theft:
-
Your local office of the Postal Inspection Service if you suspect that an identity thief has submitted a change-of-address form with the Post Office to redirect your mail, or has used the mail to commit frauds involving your identity;
-
The Social Security Administration if you suspect that your Social Security number is being fraudulently used (call 800-269-0271 to report the fraud);
-
The Internal Revenue Service if you suspect the improper use of identification information in connection with tax violations (call 1-800-829-0433 to report the violations).
-
Call the fraud units of the three principal credit reporting companies:
Equifax:
-
To report fraud, call (800) 525-6285 or write to P.O. Box 740250, Atlanta, GA 30374-0250.
-
To order a copy of your credit report ($8 in most states), write to P.O. Box 740241, Atlanta, GA 30374-0241, or call (800) 685-1111.
-
To dispute information in your report, call the phone number provided on your credit report.
-
To opt out of pre-approved offers of credit, call (888) 567-8688 or write to Equifax Options, P.O. Box 740123, Atlanta GA 30374-0123.
Experian:
-
To report fraud, call (888) EXPERIAN or (888) 397-3742, fax to (800) 301-7196, or write to P.O. Box 1017, Allen, TX 75013.
-
To order a copy of your credit report ($8 in most states): P.O. Box 2104, Allen TX 75013, or call (888) EXPERIAN.
-
To dispute information in your report, call the phone number provided on your credit report.
-
To opt out of pre-approved offers of credit and marketing lists, call (800) 353-0809 or (888) 5OPTOUT or write to P.O. Box 919, Allen, TX 75013.
Trans Union:
-
To report fraud, call (800) 680-7289 or write to P.O. Box 6790, Fullerton, CA 92634.
-
To order a copy of your credit report ($8 in most states), write to P.O. Box 390, Springfield, PA 19064 or call: (800) 888-4213.
-
To dispute information in your report, call the phone number provided on your credit report.
-
To opt out of pre-approved offers of credit and marketing lists, call (800) 680-7293 or (888) 5OPTOUT or write to P.O Box 97328, Jackson, MS 39238.
Contact all creditors with whom your name or identifying data have been fraudulently used. For example, you may need to contact your long-distance telephone company if your long-distance calling card has been stolen or you find fraudulent charges on your bill.
Contact all financial institutions where you have accounts that an identity thief has taken over or that have been created in your name but without your knowledge. You may need to cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, and change your Automated Teller Machine (ATM) card, account, and Personal Identification Number (PIN).
Other Resources
Privacy Rights Clearinghouse: http://www.privacyrights.org/fs/fs17a.htm
Federal Trade Commission: http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.shtm
|
