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How do I 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 for fraud 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 has a bachelor’s degree in journalistic studies from Auburn University and a master’s in education from Georgia State University. Prior to joining NerdWallet she worked for daily newspapers, MSN Money and Credit.com. Her work was featured on The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and elsewhere. Twitter: @BeverlyOShea.
Oct 18, 2019
Written by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, managing money and debt Kathy Hinson leads the core personal finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years working at The Oregonian in Portland in capacities such as chief of the copy desk and team leader for design and editing. Previous experience included copy and news editing for several Southern California newspapers, including the Los Angeles Times. She received a bachelor’s degree in mass communication and journalism from the University of Iowa.
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The report of identity theft to Federal Trade Commission is your best option to alert authorities to fraud. It’s also crucial to set an alert to fraud on your credit accounts, at the very least — and consider going for a greater level of protection by blocking your credit.
Here’s how to report to authorities and other organizations, so you can get started on your recovery.
Are you in need of a credit exam?
Sign up for an account and get your free credit report and score on-hand, all the time.
Inform the FTC about identity theft. FTC
Report identity theft to the Federal Trade Commission at or 877-438-4338. This protects your rights, which include the right to remove fraudulent accounts off your credit report.
On the site there is also a chance to download an individual checklist that will assist you in repairing the damage. After you have reported you have been the victim of identity theft with FTC and the FTC, you can choose to file a report with the neighborhood police station. Bring a copy the FTC report with you.
If you suspect that your identity was stolen through fraud in the mail .
Set up a fraud alert with credit bureaus
If you believe that your personal details have been disclosed, make the initials on credit file to ensure that any applications made in your name are scrutinized more closely.
This alert is available to anyone who suspects identity theft. Contact any bureau and it will take care of notifying all the other bureaus:
The alert grants you another round of free credit reports that go beyond those you receive every 12 months by . They can assist you in identifying fraudulent credit accounts.
Contact the businesses that are involved.
If you have a charge that is fraudulent on the credit card you have already used, in most cases there is no liability as long as you report the problem promptly to the credit card company. It will then be removed and you’ll receive a new card with the same number. Remember to update autopay accounts, and consider grouping the cards on one to make things easier should this happen again.
If you need help removing fake charges from your account make use of the .
If you have opened new accounts by Customer Service to receive help closing the accounts. The FTC has a procedure you can contact if a written notice is required. You may be asked to produce a copy the police report.
In all instances, take notes of the date and time you called, whom you spoke to, and the actions you were instructed to follow.
Consider a credit freeze or extended fraud alert
Watch for and on your credit reports to be sure that everything is done to your satisfaction. Access the information from TransUnion through NerdWallet.
Consider protecting yourself in the future. A is considered the surest way to ensure your credit doesn’t get used without your consent. Credit freezes that are made with completely free.
If you do not want to place freezes, you can obtain an extended alert to fraud that is valid for seven years. Like the initial one it is only necessary to call one bureau. But this time you’ll need to provide documentation, including the identity theft record
Equifax Send mail at Equifax Information Services LLC, P.O. Box 105069 Atlanta, GA 30348-5069 or fax it to 888-826-0497.
Experian: Mail Experian: Send to Experian, P.O. Box 9554, Allen, TX 75013 or .
TransUnion Contact TransUnion: Send your request and documents to TransUnion, P.O. Box 2000 Chester, PA 19016.
The author’s bio: Bev O’Shea was a credit reporter at NerdWallet. Her work has been featured in publications such as the New York Times, Washington Post, MarketWatch and elsewhere.
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