Steps to Take if You are a Victim of Identity Theft
What should you do if you are a victim of identity fraud?
- Call your bank and credit card issuers immediately so they can close your accounts.
- Contact the fraud unit of the three credit reporting agencies. Place a fraud alert on your credit report and consider placing a credit freeze so the criminal can’t open new accounts. The fraud unit numbers are:
Equifax: (800) 525-6285
Experian: (888) 397-3742
TransUnion: (800) 680-7289
- Report the fraud to the Federal Trade Commission at consumer.gov/idtheft or call 1-877- IDTHEFT (1-877-438-4338).
- File a police report.
- Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles and phone numbers in case you need to re-contact them or refer to them in future correspondence.
To keep track of your activities while working on this, consider using the Customer Account Record and Activity Log from the American Bankers Association at aba.com/GetSmart.
For more advice, visit the FTC’s website at consumer.gov/idtheft.