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How to report Identity Theft
How to report Identity Theft
, H% O1 d- u7 I$ WIf you think that you have been a victim, do you know how to report identity theft? There are a number of steps you should take immediately to minimize damage, help prevent further fraud or theft and clean your good name. Keep in mind that it will take hundreds of dollars and many hours to fix the mess.
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) F7 _# X8 @0 [Step One0 g. \4 n1 r) k" Z5 K
Contact each financial institution, credit card issuer or other company that provided the identity thief with unauthorized credit, money, goods or services. This is onw of the most important steps on how to report identity theft!) f% j( z9 f/ X: E' C8 Y
5 ?; K3 I) V r9 F( y: XWrite to the creditor at the address given for "billing inquiries," NOT the address for sending your payments. Include your name, address, account number, and a description of the billing error, including the amount and date of the error. See Sample Letter.' ~; ~" P1 @ i A& X* v
3 _, r! V' t! g/ U: Y4 U5 OSend your letter so that it reaches the creditor within 60 days after the first bill containing the error was mailed to you. If an identity thief changed the address on your account and you didn't receive the bill, your dispute letter still must reach the creditor within 60 days of when the creditor would have mailed the bill. This is one reason it's essential to keep track of your billing statements, and follow up quickly if your bills don't arrive on time.5 J! ~: u# R$ G) C6 C
@$ Y- e% z7 |Send your letter by certified mail, and request a return receipt. It becomes your proof of the date the creditor received the letter. Include copies (NOT originals) of your police report or other documents that support your position. Keep a copy of your dispute letter. % B& K% j! L2 `8 D- P* r
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1 B4 j8 C" T* bStep Two
0 O% D' b' W" PAn important step on how to report identity theft is to contact the credit reporting agencies. Request to place a "Fraud Alert" on your credit file to stop the thieve to open more accounts in your name. Be aware that you need to renew this alert on a regular basis as it expires. The time varies from 3 to 12 months with the 3 credit bureaus.
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. l4 D$ a4 u/ J- t8 `' mCredit Bureaus Equifax Experian: Trans Union : W% H% i2 S$ K3 g
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( d# }. C& }0 `+ yCanada Consumer Relations Department
+ j- H1 K7 {5 e0 y3 _ O1 800 465 7166
2 ]. h8 S9 \4 J( q5 I) A6 o% o- ?' lBox 190
5 n; j6 U" o) E& s9 DJean Talon Station# r0 i, {8 a4 T' o
Montreal, QC 6 R1 v1 J2 j D" }- {, G# f
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Click here to go to the Web site
K, r$ [- k3 R8 A' c 1-888 826 1718
! f7 d' A! j2 w& GSuite 805 P.O.
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Toronto, ON
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7 H8 f" P1 {6 L A0 u" ?Click here to go to the Web site
- M9 l' L% L% C" o 1-800-663-9980
3 f' x$ }/ l/ d+ vFraud Victim
' V; z( g- X$ G9 y4 eAssistance Deparment4 h6 G* t! ~; [8 G) K+ K# }+ Y
P.O. Box 338, LCD 1: ~& o1 Z- K1 P" \
Hamilton, ON
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Click here to go to the Web site0 b- M' e3 p7 h* j
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|9 ? g E# y# _! pthe US 1-800-685-1111% Y& h6 g1 T% _1 M4 w3 D& E
P.O. Box 740241,
8 K% y+ c4 y' F$ V9 M8 i9 jAtlanta, GA 30374-0241
6 z8 F/ I/ H" U/ d7 o9 TClick here to go to the Web site
: U6 [( |: E1 t0 Q 1-888-397-3742 x2 g, ^- w$ u1 ]
P.O. Box 2002,
0 J v" h% Z1 `* M4 d' mAllen TX 750130 O) q% @" I4 A: h" g: |: |# e
Click here to go to the Web site
1 Q. T, k/ U7 i4 r6 `" F 1-800-888-4213
0 M3 G2 _' Q! Y4 @0 jP.O. Box 1000,
& v2 [- a W; z4 V) GChester, PA 19022
" i4 `+ u$ O# j F* z5 iClick to go to the ( P8 m+ r! M7 w6 {+ h7 \
Web site
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$ ?, k5 {* q* R' ^$ X% L3 xStep Three
9 X( {5 V. B! i- u: H0 f5 pFile a report with your local police department. Include it in all correspondence with financial institutions, credit issuers, credit reporting agencies and other companies. You should also bring your supporting documentation. Your supporting documentation should include as much of the following information as you are able to provide:
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3 C9 ~ \% E* n- I. PA government-issued identification document, preferably with a photo;
/ p& v2 [0 ]$ O3 @$ v% R7 l9 eProof of residency that shows your name and address such as a copy of your phone or utilities billing statement, your rental agreement.
9 l0 K v ], M! s# YCopies of your credit reports that show inaccuracies caused by identity theft;
6 R0 L) ?6 F+ A& ]1 _2 xCopies of any credit cards, bills, monthly statements, or collection letters you have received relating to the identity theft; and + P- u4 \. J2 X7 `: G
Anything else that shows what happened or provides information about the thief. 2 d: x/ X' p9 E8 c, M9 }8 m! u
Report fraudulent activities in Canada:
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) ]! h$ F9 A3 |$ i" HReporting Economic Crime Online: www.recol.ca 0 h8 l8 g: n0 Y" N( L9 [
Phonebusters: 1-888-495-8501, www.phonebusters.com Phonebusters is a national anti-fraud call centre operated by law-enforcement agencies, including the RCMP. PhoneBusters provides advice on how to report identity theft and assistance to victims.
4 ^' f2 m4 ?+ ^4 v# P4 q6 JReport fraudulent activities in the USA:8 e# O' Z$ A* s/ I! X
y$ `: ~8 Z3 a. [: s" I; I% J1 T, s' j: tFile a complain with the Federal Trade Commission. Visit the ID Theft microsite with detailed information on how to report identity theft
$ U6 Y9 `6 q0 h9 {, Q4 |7 MDownload the Federal Trade commission affidavit. Included detail instructions. ID Theft Affidavit
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8 ^7 B3 Y4 m$ x1 u* X7 mStep Four
* a& U4 [- C9 }- l) KIf your credit cards or government-issued documents (such as driver's licence, birth certificate or passport) have been lost or stolen, notify the issuing authority immediately to have the document cancelled and a new one issued. |
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