Once you discover your are a victim
of Identity Theft you should notify the following:
call the fraud units of the three credit reporting companies--Experian,
Equifax, and Trans Union.
Report the theft of your credit cards or numbers. The phone
numbers are provided at the end of this brochure. Ask that your
account be flagged.
Also, add a
victim’s statement to your report, up to 100 words. (“My ID has
been used to apply for credit fraudulently. Contact me at (your
telephone number) to verify all applications.”)
Be sure to ask
how long the fraud alert is posted on your account, and how you
can extend it if necessary. Be aware that these measures
not entirely stop new fraudulent accounts from being opened by the
imposter. Ask the credit bureaus in writing to provide you with a
free copy every few months so you can monitor your credit report.
Ask the credit
bureaus for names and phone numbers of credit grantors with whom
fraudulent accounts have been opened. Ask the credit bureaus to
remove the inquiries that have been generated due to the
fraudulent access. You may also ask the credit bureaus to notify
those who have received your credit report in the last six months
in order to alert them to the disputed and erroneous information
(two years for employers).
creditors immediately with whom your name has been used
fraudulently--by phone and in writing. Get replacement cards with
new account numbers for your own accounts that have been
used fraudulently. Ask that old accounts be processed as
“account closed at consumer’s request.” (This is better than “card
lost or stolen” when this statement is reported to credit bureaus,
it can be interpreted as blaming you for the loss.) Carefully
monitor your mail and credit card bills for evidence of new
fraudulent activity. Report it immediately to credit
requirement to report fraud.
You may be asked
by banks and credit grantors to fill out and notarize fraud
affidavits, which could become costly. The law does not require
that a notarized affidavit be provided to creditors. A
written statement and supporting documentation should be enough
(unless the creditor offers to pay for the notary).
crime to the law enforcement agency with jurisdiction in your
case. Give them as much documented evidence as possible. Get a
copy of your police report. Keep the report number of your police
report handy and give it to creditors and others who require
verification of your case.
companies and banks may require you to show the report to verify
the crime. Some police departments have been known to resist
writing reports on such crimes. Prior to January 1st, 1998, the
creditors (credit card companies, banks, etc.) were the only
“legal” victims of Credit Fraud/Identity Theft.
departments have not yet received training in the new laws of
Identity Theft. Be persistent!
If you have had
checks stolen or bank accounts set up fraudulently, report it to
the check verification companies. Put stop payments on any
outstanding checks that you are unsure of. Cancel your checking
and savings accounts and obtain new account numbers. Give the bank
a secret password for your account (not your mother’s maiden
If your ATM
card has been stolen or is compromised, get a new card, account
number, and password. Do not use your old password. When creating
a password, don’t use common numbers like the last four digits of
your social security number or your birth date.
Notify the local
Postal Inspector if you suspect an identity thief has filed a
change of address with the post office or has used the mail to
commit credit or bank fraud. Find out where the fraudulent credit
cards were sent.
Notify the local
Postmaster for the address to forward all mail in your name to
your own address. You may also need to talk to the mail carrier.
Call the Social
Security Administration to report fraudulent use of your social
security number. As a last resort, you might want to change the
will only change it if you fit their fraud victim criteria. Also
order a copy of your Earnings and Benefits Statement and check it
If you have a
passport, notify the passport office in writing to be on the
lookout for anyone ordering a new passport fraudulently.
If your long
distance calling card has been stolen or you discover fraudulent
charges on your bill, cancel the account and open a new one.
Provide a password which
must be used
anytime the account is changed.
Secretary of State or Other State Department
You may need to
change your drivers license number if someone is using yours as
identification on bad checks or other fraudulent activities.
If you possess an Illinois driver's license, call the Illinois
Secretary of State. If you possess a driver's license from
another state contact to state office responsible for issuing your
driver's license. Determine if another license was issued in
Follow all instructions provided.
Courts, Illinois State Police, Federal Bureau of Investigation
of Identity Theft are wrongfully accused of crimes committed by
the imposter. If a civil judgment has been entered in your name
for actions taken by your imposter, contact the court where the
judgment was entered and report that you are a victim of identity
theft. If you are wrongfully prosecuted for criminal charges,
contact Illinois State Police and the FBI. Ask how to clear
UIS Police Identity Theft Brochure page 1
(Adobe Acrobat Reader required)
UIS Police Identity Theft Brochure page 2
(Adobe Acrobat Reader required)
Identity Theft Resources