|February 1, 2015
ID Theft - What To Do If It Happens To You
|Here are four things you should do if you know or even suspect that your Identification has been stolen.
1. Place a Fraud Alert on Your Credit Reports.
- Alerts creditors pulling your report to take extra steps to verify your identity.
- Contact ONE of themajor credit reorting agencies (CRA) and they will notify the other two agencies
- lasts 90 days
OR: Place a Security Freeze on Your Credit Reports.
- Stops ANYONE from accessing your credit report without your express permission.
- Yo must notify EACH CRA to place the freeze.
- A PIN will allow you to thaw or lift the freeze. Place a freeze or fraud alert with these numbers:
Equifax: 800-685-1111, Experian: 888-397-3742, TransUnion: 888-909-8872
2. Close affected/Fraudulent Accounts.
- Get dispute forms from the companies.
- Send the form certified Mail, return receipt requested.
- Once dispute is complete, ask for a letter confirming that the accounts and fraudulent debts are resolved.
- Keep copies of ALL correspondence for your personal records.
3. File a Complaint with the FTC.
- The Federal Trade Commission shares complaint data with law enforcement officials nationwide.
- You need the complaint affidavit to serve as part of your "ID Theft Report" for disputing any further fraudulent activity. Report to 877-438-4338 or ftc.complaintassistant.gov
4. File a Police Report.
- Take your FTC affidavit with you.
- If the officer is hesitant to fill out a report, request an information-only report. you need the Police Report to complete your ID Theft Report.
For a more comprehensive guide to ID Theft, consult "Taking Charge: What To Do if Your Identity is Stolen" at FTC.GOV/IDTHEFT
If you are a victim of the State of South Carolina fraud event (11-2012), click here for more information: http://www.sctax.org/NR/rdonlyres/E5A231EF-8A05-40FE-AA36-17453FF2C795/0/Urgent_New.pdf