File a Police Report
Call the Police Departments non-emergency line to report the crime. Keep a copy of the police report for your records and the contacts name number.
Place a Fraud Alert on your Credit Report
Contact all 3 credit bureaus –Experian, Equifax, and TransUnion, that you suspect you have been a victim of identity theft and ask that a fraud alert be placed on your credit file.
You may also want to freeze your credit report to stop new accounts from being opened in your name. In California it is free to victims of this crime.
Complete an Identity Theft Affidavit
By completing an identity theft affidavit form you can stop any hasty action by creditors and debt collectors. You can download the form from the Federal Trade Commission (FTC) web site at http://www.ftc.gov and click on the Identity Theft link.
You should send a copy of the affidavit to any affected creditors by certified mail and request a return receipt. You may also want to send a copy of the police report.
Contact Your Bank and Credit Card Companies
Contact all affected bank and credit card companies and close in affected accounts if necessary. If you think your checks may have been misused, place a stop order on all outstanding checks that you are not sure about. Alert your banks to flag your accounts to detect any unusual activity.
If your name has been used fraudulently, contact all relevant creditors, stores, and utility companies to explain the situation. Provide them with copies of the Identity Theft affidavit, and request any copies of documentations including loan applications and transaction records.
If the theft occurs through your bank account, you should immediately close your accounts and cancel all debit and credit cards. Once you open a new account and receive your new ATM and credit card be sure to create a new password/PIN and change it at least every 3 months.
Contact the DMV
Call the DMV to make sure another licensed hasn’t been issued in your name.
If Your Social Security Number is Stolen….
If you suspect that your Social Security number has been misused, you should report it to the Social Security Administration by contacting the fraud hotline at 800-269-0271. More information can be found at www.ssa.gov.
Contact the Post Office
If mail has been stolen, your address is being used fraudulently or has been changed, report it to the postal inspectors. Information can be found at www.usps.gov./postalinspectors
Keep a Record
It is important to keep copies of all transactions, correspondence, and note all contact names and phone numbers for people with whom you spoke with concerning the fraudulent activity.
Don’t Be Intimidated by Debt Collectors
Debt Collectors are often very aggressive in pursuing victims of identity theft. If the debt is truly not yours, do not offer or agree to pay anything. Respond in writing and keep a record.
CREDIT REPORTING AGENCIES
PO Box 6790
Fullerton, CA 92834
PO Box 1017
Allen, TX 75013
PO Box 740256
Atlanta, GA 30374
Federal Trade Commission
877-IDTHEFT or 877-438-4338
***Free annual credit report
Identity Theft Council
Provides free advice and support for those who believe are a victim of identity theft and who live or work anywhere in the San Francisco bay area.