If your identity has been stolen, report it. File a report with local police and the police where the identity theft occurred. Keep all records of your case, police reports and supporting documents; these may be needed by the credit card company or bank to prove your innocence.
File a complaint with the Federal Trade Commission: 1-877-ID-THEFT (438-4338) https://www.ftccomplaintassistant.gov
Place a "fraud alert" or "freeze" on your credit reports. Contact the fraud departments of each of the three major credit reporting agencies. Let them know you've been a victim of identity theft and ask questions, including what protection is provided and if there are any costs, to determine whether a fraud alert or freeze is best for your situation:
Experian: 1-888-397-3742
www.experian.com
TransUnion: 1-800-680-7289
www.transunion.com
Equifax: 1-800-766-0008
www.equifax.com
Notify all credit grantors and financial institutions. Check the status on existing accounts, as they may have been jeopardized. Find out if there is any unauthorized activity or new accounts have been fraudulently opened in your name. You may be advised to close some or all of your accounts. Create new passwords and change your PINs.
Monitor Credit: Check your credit report. Under the Fair & Accurate Credit Transaction Act, consumers are entitled to a free annual credit report. The only authorized source is www.AnnualCreditReport.com, 1-877-322-8228.
