What to Do If You Are a Victim of Identity Theft
Here are some measures to assist you if you have become a victim of Identity Theft:
Contact the Fraud Departments of one of the three major credit bureaus to report the identity theft and request that they place a fraud alert and a victim's statement in your file. The nation's three credit reporting companies—Equifax, Experian and TransUnion—have set up a system that will enable identity fraud victims to protect their credit information by making one toll-free call to any of them. When an identity fraud victim calls any of the credit reporting companies, the company will alert the other two. Then each company will post a security alert on the victim's credit file; opt the victim out of pre-approved credit or insurance offers; and mail the victim a copy of his or her credit file. The following are the telephone numbers for the fraud departments of the three national credit bureaus:
You may request a free copy of your credit report. Credit bureaus must provide a free copy if you have reason to believe the report is inaccurate because of fraud and you submit a request in writing.
Review your report to make sure no additional fraudulent accounts have been opened in your name, or unauthorized changes made to your existing accounts. Also, check the section of your report that lists "inquiries" and request that any inquiries from companies that opened the fraudulent accounts be removed.
Contact us or other creditors where you have an account that may be the subject of identity theft. Advise them of the identity theft. Request that they restrict access to your account, change your password, or close your account if there is evidence it has been the target of criminal activity.
File a report with your local police department.
Contact the Federal Trade Commission's (FTC) Identity Theft Hotline toll-free at 1-877-ID-THEFT (438-4338). The FTC puts the information into a secure consumer fraud database and shares it with local, state and federal law enforcement agencies.
Each one of the branch offices has an Identity Theft Kit to assist you; please stop in and see one of our branch associates. You may also download our Identity Theft Prevention & Resolution Packet.