Resources
Federal Trade Commission: ID Theft (https://consumer.ftc.gov/features/identity-theft)
This is the main U.S. government site for identity-theft information. The FTC also maintains a database of identity theft cases used by law enforcement agencies for investigations.
Federal Trade Commission’s Identity Theft Hotline
877-ID-THEFT (877-438-4338); TTY: 866 653 4261
Note: The FTC telephone line will present an automated attendant with options to hear information on ID theft, credit bureaus, requesting fraud alerts, etc.
Free Annual Credit Report (http://www.annualcreditreport.com/)
You are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies.
Annual Credit Report Request Service
P.O. Box 105283
Atlanta, GA 30348-5283
Equifax (credit reporting agency, http://www.equifax.com/personal/credit-report-services)
Direct line for reporting suspected fraud: 800-685-1111
Fraud Division
1-800-685-1111
Experian (credit reporting agency, https://www.experian.com/help)
Direct line for reporting suspected fraud: 888-397-3742
Credit Fraud Center
Trans Union (credit reporting agency, http://www.transunion.com/credit-help)
Direct line for reporting suspected fraud: 888-909-8872
Fraud Victim Assistance Department
Instructions for requesting a free Initial Fraud Alert to be placed on your credit files.
- In order to ensure that you are issued free credit reports, we strongly encourage you to contact the agencies (listed above) for reporting fraud.
- Instruct them to flag your file with a fraud alert including a statement that creditors should get your permission before opening any new accounts in your name.
- Ask them for copies of your credit report(s). (Credit bureaus must give you a free copy of your report if it is inaccurate because of suspected fraud.) Review your reports carefully to make sure no additional or fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts.
- Be diligent in following up on your accounts. In the months following an incident, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred.
- If you find that any accounts have been tampered with or opened fraudulently, close them immediately. To ensure that you do not become responsible for any debts or charges, use the ID Theft Affidavit Form developed by the Federal Trade Commission to help make your case with creditors.
For additional information about identity theft visit the Frequently Asked Questions on this website.
This site uses resources from the Common Solutions Group Security Toolkit and Oklahoma State University.