Identity Thief - If Your Identity's Been Stolen - Contact The Fraud Departments Of Each Of The Three Major Credit Bureaus. - CREDIT FRAUD
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CREDIT FRAUD: Identity thief - if your identity's been stolen - contact the fraud departments of each of the three major credit bureaus.
Equifax - To report fraud, call:
1-800-525-6285, and write: P.O. Box 740241, Atlanta, GA 30374-0241
Experian - To report fraud, call:
1-888-EXPERIAN (397-3742), and write: P.O. Box 9532, Allen, TX 75013
TransUnion - To report fraud, call:
1-800-680-7289, and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Tell them you're a victim of identity theft, and ask them to place a "fraud alert" in your file, as well as a "victim statement." It's a signal to creditors to call you before they open any new accounts or change your existing accounts, and helps prevent an identity thief from opening additional accounts in your name. At the same time, order copies of your credit reports. Credit bureaus must give you a free copy of your report if it's inaccurate because of fraud and you send them a written request.
Check your credit reports carefully to make sure the information is accurate. Look for inquiries you didn't initiate, accounts you didn't open and unexplained debts on your true accounts. You also should check that information such as your SSN, address(es), name or initial, and employers are correct. Inaccuracies also may be due to typographical errors. Nevertheless, whether the inaccuracies are due to fraud or error, notify the credit bureau as soon as possible by telephone and in writing. In a few months, order new
copies of your reports - both to verify your corrections and changes, and to make sure no new fraudulent activity has occurred.
"Fraud alerts" and "victim statements" are primarily voluntary services of the credit bureaus. Creditors do not have to consider them when granting credit. That's one more reason to check your credit reports regularly. In addition, fraud alerts and victim statements expire; you need to renew them periodically. Ask each credit bureau about its policy.
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