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Each of the three major credit reporting agencies (Equifax, Experian and TransUnion) offers consumers the ability to place a ?security freeze,? or deny access to, their credit reports. A security freeze means that your credit file cannot be shared with potential creditors.
The Fair Credit Reporting Act (FCRA) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records ? such as applications for credit ? relating to the theft of their identity.
File a complaint with the Federal Trade Commission (FTC) at identitytheft.gov. The FTC also contains sample letters .identitytheft.gov/Sample-Letters to help you resolve issues with the credit bureaus, credit card issuers, and other companies with which you may do business.
How To Know if Someone Stole Your Identity Track what bills you owe and when they're due. If you stop getting a bill, that could be a sign that someone changed your billing address. Review your bills. ... Check your bank account statement. ... Get and review your credit reports.
An Identity Theft Affidavit is a document used by victims of identity theft to prove to businesses that their personal information was used to open a fraudulent account.
File a police report with your local law enforcement agency. A police report provides you with a document saying you've been a victim, which can be helpful ? when requesting a 7-year extended fraud alert on your credit reports, for instance. This type of fraud alert requires a police or FTC Identity Theft Report.
FTC ID Theft Affidavit The FTC provides an ID Theft Affidavit to help victims of identity theft quickly and accurately dispute new unauthorized accounts. It is especially helpful in cases where consumers are unable to file or obtain a police report. Some creditors will accept this affidavit instead of a police report.
I am a victim of identity theft, and did not make the charge(s). I am requesting that the item(s) be blocked to correct my credit report. Enclosed are copies of (describe any enclosed documents) supporting my position. Please investigate this (these) matter(s) and block the disputed item(s) as soon as possible.