North Dakota How-To Guide for Fighting Fraud and Identity Theft With the FCRA and FACTA Red Flags Rule

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Multi-State
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US-FCRA-01
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PDF
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Description

This guide provides an overview of the Fair Credit and Reporting Act Red Flags rule and gives step-by-step guidance on how businesses may develop a program to comply with the law's requirements. Links to additional resources for developing an Identity Theft Prevention Program are included.


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FAQ

Tools/Resources for Victims Place a fraud alert on your credit report. Close out accounts that have been tampered with or opened fraudulently. Report the identity theft to the Federal Trade Commission. File a report with your local police department.

Under the FCRA, you have the right to: Create an identity theft report. ... Place a 90-day initial fraud alert on your credit report. ... Place a seven-year extended fraud alert on your credit report. ... Get fraudulent information removed (or ?blocked?) from your credit report.

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.

10 Ways To Protect Yourself From Identity Theft. ... Destroy private records and statements. ... Secure your mail. ... Safeguard your Social Security number. ... Don't leave a paper trail. ... Never let your credit card out of your sight. ... Know who you're dealing with. ... Take your name off marketers' hit lists.

The "Red Flags" Rule, 16 C.F.R. § 681.2, requires "creditors" and "financial institutions" to develop written plans to prevent and detect identity theft.

The Red Flags Rule calls for financial institutions and creditors to implement red flags to detect and prevent against identity theft. Institutions are required to have a written identity theft prevention program (ITPP) to govern their organization and protect their consumers.

The Red Flags Rule requires specified firms to create a written Identity Theft Prevention Program (ITPP) designed to identify, detect and respond to ?red flags??patterns, practices or specific activities?that could indicate identity theft.

The Fair and Accurate Credit Transactions (FACT) Act (PDF) requires financial institutions with covered accounts to develop and implement a written identity theft prevention program designed to detect, prevent, and mitigate identity theft in connection with opening new accounts and operating existing accounts.

To report identity theft, contact: The Federal Trade Commission (FTC) online at IdentityTheft.gov or call 1-877-438-4338. The three major credit reporting agencies. Ask them to place fraud alerts and a credit freeze on your accounts.

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North Dakota How-To Guide for Fighting Fraud and Identity Theft With the FCRA and FACTA Red Flags Rule