How to report Identity Theft

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How to report Identity Theft
You can contact the Federal Trade Commission to report identity theft, and place an alert or freeze on your credit files.
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 holds a bachelor’s level degree of journalism at Auburn University and a master’s in education from Georgia State University. Before coming to NerdWallet, she worked for the daily papers, MSN Money and Credit.com. Her work was featured in The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and other publications. Twitter: @BeverlyOShea.

Oct 18 Oct 18, 2019

Edited by Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, debt and money management Kathy Hinson leads the core personal finance team at NerdWallet. In the past, she worked for 18 years with The Oregonian in Portland in capacities such as chief of the copy desk and team director of design and editing. Previous experience included news and copy editing for various Southern California newspapers, including the Los Angeles Times. She earned a bachelor’s degree in journalism and mass communications at The University of Iowa.

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Notifying the authorities of identity theft to the Federal Trade Commission is your best way to alert authorities to fraudulent activity. It’s also important to put an alert to fraud on your credit account at the very minimum and then consider opting for greater protection by blocking your credit.
Here’s how you can report to the authorities as well as other organisations so you can start your recovery.
Do you need a credit report review?
Register for an account and get your free credit report and score on-hand, constantly.

Report identity theft to the FTC
Report identity theft to the Federal Trade Commission at or 877-438-4338. This preserves your rights, including the ability to get fraudulent accounts off your credit report.
On the site, you can also get a personalized checklist that can help you repair the damages. If you report you have been the victim of identity theft with FTC, you may also opt to file a claim with your neighborhood police station. Take a copy of the FTC report with you.
If you think you have been hacked by fraud in the mail .
>> MORE:
Make a fraud alert to credit bureaus
If you suspect your personal information has been compromised, you should make an initial on your credit files to ensure that any applications made in your name will be scrutinized.
This alert is accessible any person who is concerned about identity theft. Contact any bureau, and it will be in charge of notifying others:
800-525-6285
888-397-3742
800-680-7289

The alert entitles you to another set of free credit reports, beyond the ones you receive each year by . These can help you discover fraud in credit accounts.
Contact the company that are involved.
For charges that are fraudulently charged to the credit card you have already used, in most cases, you have zero liability in the event that you immediately report the problem to the credit card company. It will then be removed and you’ll be issued an alternative card with the same number. Remember to update autopay accounts, and consider grouping the cards on one to reduce the hassle if this should happen again.
If you require assistance in removing bogus charges from accounts make use of the .
If you have opened new accounts by our customer support department to get assistance closing them. The FTC has a procedure you can use if written notice is required. You may be asked to provide a copy of the police report.
In all cases, keep note of the date and time you called, whom you spoke to, and the steps you were told to take.
You might want to consider a credit freeze or extended fraud alert
Watch for and on your credit reports to make sure that everything was properly handled. You can get information through TransUnion via NerdWallet.
Think about how you can protect yourself for the future. A is considered the surest method to make sure your credit isn’t misused without your permission. Credit freezes that are made with free.
If you do not want to put freezes in place, you can obtain an extended fraud alert which is valid 7 years. Like the initial one, you need contact only one of the bureaus. However, this time, you’ll have to provide documentation, including an identity theft report:
Equifax Send mail in to Equifax Information Services LLC, P.O. 105069 Box, Atlanta, GA 30348-5069 or fax it to 888-826-0597.
Experian: Mail Experian: Send to the Experian address: P.O. Box 9554 Allen, TX 75013 or .
TransUnion: Send and requested documentation the following address: TransUnion, P.O. Box 2000, Chester, PA 19016.

The author’s bio: Bev O’Shea is a former credit writer at NerdWallet. Her work has appeared on the New York Times, Washington Post, MarketWatch and elsewhere.

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