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How to report Identity Theft

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How to Report Identity Theft

Call with the Federal Trade Commission to report identity theft and to place an alert or freeze on your credit file.

By Bev O’Shea personal finance writer | MSN Money, Credit.com, Atlanta Journal-Constitution, Orlando Sentinel Bev O’Shea is a former NerdWallet authority on consumer credit, scams and identity theft. She has a bachelor’s degree of journalism at Auburn University and a master’s in education from Georgia State University. Before coming to NerdWallet she worked for daily newspapers, MSN Money and Credit.com. Her work has appeared in The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and many other places. Twitter: @BeverlyOShea.

Oct 18 19

Written by Kathy Hinson Lead Assigning Editor Personal finances, credit scoring managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years working at The Oregonian in Portland in capacities such as chief of the copy desk and team editor and designer. Prior experience includes news and copy editing for a variety of Southern California newspapers, including the Los Angeles Times. She earned a bachelor’s degree in journalism and mass communications in the University of Iowa.

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The report of identity theft to Federal Trade Commission is your best option to alert authorities to fraudulent activity. It’s also crucial to set an alert for fraud on your credit accounts at a minimum — and think about going for a greater level of protection by the freezing of your credit.

Here’s how to notify authorities and other organizations so that you can start your recovery.

Do you need a credit report check-up?

Register for an account to have your free credit report and score available all the time.

Inform the FTC about identity theft. FTC

Report identity theft to the Federal Trade Commission at or 877-438-4338. This protects your rights, including the ability to get fraud-related accounts off the credit reports of your loved ones.

On the website there is also a chance to download a personalized checklist that can help you repair the damage. After you have reported you have been the victim of identity theft with FTC You can also opt to file a claim with your neighborhood police station. Take a copy of the FTC report with you.

If you suspect that your identity was stolen through fraud in the mail .

>> MORE:

Place a fraud alert with credit bureaus

If you suspect your personal information has been compromised, you should make the initials on credit files so that applications in your name are scrutinized more closely.

This alert is made available for anyone suspecting identity theft. Contact any bureau and it will notify the others:

800-525-6285

888-397-3742

800-680-7289

The alert entitles you to another set of credit reports that go beyond those you receive every year by . They can assist you in identifying fraudulent credit accounts.

Contact the businesses that are involved.

For charges that are fraudulently charged to an existing credit card, typically there is no liability in the event that you report the problem promptly to the credit card issuer. Your card is removed and you will get an alternative card with a different number. Make sure to update your autopay accounts and also think about grouping your accounts the cards on one to simplify things in the event of a repeat.

If you need help removing fraudulent charges from your accounts, use the .

If you have opened new accounts by Customer Service to get assistance closing the account. The FTC offers a form you could use in the event that a written notification is required. You may be asked to produce a copy an investigation report.

In all cases, keep records of the time and date you called, whom you talked to and what steps you were advised to follow.

Think about a credit freeze, or an extended fraud alert

Check your credit reports to be sure everything was taken care of. Access the information through TransUnion via NerdWallet.

Think about how you can protect yourself for the future. It is the most secure method to make sure your credit doesn’t get misused without your permission. Credit freezes that are made with completely free.

If you aren’t interested in put freezes in place, you can receive an extended fraud alert which is valid up to seven years. Like the initial one you’ll need to contact just one of the bureaus. But this time you’ll need to provide documentation, including an identity theft report:

Equifax: Mail at Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069 or fax it to 888-826-0497.

Experian: Mail Experian: Experian: Send to P.O. Box 9554, Allen, TX 75013 or .

TransUnion Request documents the following address: TransUnion, P.O. Box 2000, Chester, PA 19016.

The author’s bio: Bev O’Shea was a credit reporter at NerdWallet. Her work has appeared in publications such as the New York Times, Washington Post, MarketWatch and elsewhere.

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