Identity Theft: What to Do If You're a Victim
What to Do If You Suspect Identity Theft
If your personal information has been exposed in a data breach, it's important to take immediate action. Identity theft happens when someone uses your information to make purchases, open accounts, or apply for loans in your name—and the sooner you respond, the better.
Monitor Your Accounts Closely
Check your bank accounts, credit card statements, and credit reports regularly. Look out for unfamiliar charges, new accounts you didn’t open, or any activity that doesn’t seem right.
Take Action Immediately
If you believe you’re a victim of identity theft, follow these important steps:
1. Contact Companies Where Fraud Occurred
Let them know you’ve been affected by identity theft. Ask them to close or freeze the accounts in question, and change any associated passwords or PINs.
2. Place a Fraud Alert on Your Credit File
A fraud alert makes it harder for someone to open accounts in your name. Contact one of the three major credit bureaus—the one you notify is required to alert the others.
3. File a Report with the FTC
Visit IdentityTheft.gov to report the incident. The site will guide you through the recovery process and provide sample letters to help you notify credit bureaus and businesses.
4. Review and Correct Your Credit Reports
Request your free credit report at annualcreditreport.com. Review it carefully and dispute any unfamiliar accounts or charges.
5. Contact Each Credit Bureau by Mail (If Needed):
If you need to correct information on your report, send a written request to each credit bureau:
- TransUnion
Fraud Victim Assistance Department
P.O. Box 2000
Chester, PA 19022-2000 - Equifax
P.O. Box 105069
Atlanta, GA 30348-5069 - Experian
P.O. Box 9554
Allen, TX 75013
Stay Organized Throughout the Process
Keep a written record of the steps you take, who you speak with, and when. This documentation will help protect your rights and speed up the recovery process.