Take Charge

Fighting Back Against Identity Theft
Deter • Detect • Defend

U.S. Department of
Homeland Security
United States
Secret Service

The Secret Service was established as a law enforcement agency in 1865. 1
INTRODUCTION .......................................................................................
While most people associate the Secret Service with presidential protection,
its original mandate was to investigate the counterfeiting of U.S. currency, a HOW IDENTITY THEFT OCCURS .....................................................2 ..
mission the Secret Service is still mandated to carry out. · If Your Personal Information Has Been Lost or Stolen ....................... 4

Today the agency’s primary investigative mission is to safeguard the payment ID THEFT VICTIMS: IMMEDIATE STEPS ............................................ 5
and financial systems of the United States. This has been historically · Placing Fraud Alerts on Your Credit Report........................................5
accomplished through the enforcement of counterfeiting statutes to preserve · Closing Accounts ...................................................................................7
the integrity of United States currency, coin and financial obligations. · Filing a Police Report ...........................................................................8
· Filing a Complaint with the Federal Trade Commission ...................8
Since 1984, our investigative responsibilities have expanded to include crimes · The Identity Theft Report ..................................................................·9· ·
that involve financial institution fraud, computer and telecommunications fraud, false identification · Tips For Organizing Your Case ............................................................10
documents, access device fraud, advance fee fraud, electronic funds transfers and money laundering as it · Chart Your Course of Action .................................................................. 11
relates to the agency’s core violations. This includes identity theft and fraud.
RESOLVING SPECIFIC PROBLEMS ....................................................... 12
Identity theft is a serious crime. Victims whose identity has been stolen can spend months or years and · Bank Accounts and Fraudulent Withdrawals ......................................12
thousands of dollars cleaning up the mess the thieves have made of their good name and credit. In the · Bankruptcy Fraud .................................................................................. 17
meantime, these victims may lose job opportunities, be refused loans for education, housing or cars, and · Correcting Fraudulent Information in Credit Reports ....................... 17
possibly find themselves the target of fraud investigations. 19
· Credit Cards ...........................................................................................
· Criminal Violations ...............................................................................20
Identity theft has significantly evolved as a major threat to our nation’s critical financial infrastructure. · Debt Collectors ...................................................................................... 21
While the Secret Service is the primary federal agency tasked with investigating identity theft/fraud and · Driver’s License .....................................................................................22
its related activities under Title 18, United States Code, Section 1028, we work closely with our partners in · Investment Fraud ..................................................................................22
local, state and federal law enforcement to aggressively investigate, arrest and prosecute those committing · Mail Theft ..............................................................................................23
identity fraud.
· Passport Fraud ......................................................................................23
· Phone Fraud .......................................................................................... 23
An important part of fighting identity theft is protecting yourself: knowing how to deter, detect and
· Social Security Number Misuse ............................................................. 24
defend your good name. The Federal Trade Commission has gathered the helpful information presented
· Student Loans .......................................................................................24
in this booklet to help you remedy the effects of an identity theft. Taking charge is the first step in
fighting back against identity theft. 24
· Tax Fraud ...............................................................................................

STAYING ALERT .....................................................................................
· Getting Your Credit Report .................................................................27

Mark Sullivan, Director MINIMIZING RECURRENCES ............................................................... 30
· What To Do Today ...............................................................................30
· Maintaining Vigilance ..........................................................................31
· A Special Word About Social Security Numbers ................................32
· The Doors and Windows are Locked, But... ........................................ 33

APPENDIX ..............................................................................................35
· It’s the Law .............................................................................................
· Instructions for Completing the ID Theft Affidavit ...........................37
· The ID Theft Affidavit ..........................................................................40
· Annual Credit Report Request Form .................................................... 45
· The FTC’s Privacy Policy ......................................................................46

September 2011

Working with the U. charge tickets to a ball game. or cars. be refused loans for education. your legal rights. It describes what steps to take. change service providers for your cell phone. victims of identity theft may lose job opportunities. mail your tax returns.S. how to handle specific problems you may encounter on the way to clearing your name. the Federal Trade Commission (FTC) has produced this booklet to help you remedy the effects of an identity theft. anger. But an identity thief does. Take Charge: Fighting Back Against Identity Theft 1 . In the meantime. People whose identities have been stolen can spend months or years – and thousands of dollars – cleaning up the mess the thieves have made of a good name and credit record. and even get arrested for crimes they didn’t commit. housing. Secret Service and other government agencies and orga- nizations. Humiliation. rent a car. or apply for a credit card. Chances are you don’t give these everyday transactions a second thought. Identity theft is a serious crime. and what to watch for in the future. you may write a check at the grocery store. and frustration are among the feelings victims experience as they navigate the process of rescuing their identity.INTRODUCTION In the course of a busy day.

or by posing as a landlord. keep it to yourself. or to avoid eviction. • They may steal personal information they find in your home. • They may get identification such as a driver’s license issued with their picture. and tax information. or “pretexting” by phone. employer. HOW IDENTITY THIEVES GET YOUR PERSONAL INFORMATION: • They may counterfeit checks or credit or debit cards. I also found out that this person opened a checking credit card account. after waiting four to five months. or public trash dumps in a practice known as “dumpster diving. or someone else who may have a legal right to access your report. HOW IDENTITY THEFT OCCURS HOW IDENTITY THIEVES USE YOUR PERSONAL INFORMATION: I first was notified that someone had used my Social Security number for their •They may call your credit card issuer to change the billing address on your taxes in February 2004. • They may steal your mail. Despite your best efforts to manage the flow of your personal information or to • They may establish phone or wireless service in your name. • They may rummage through your trash.  stealing records or information while they’re on the job  bribing an employee who has access to these records • They may file for bankruptcy under your name to avoid paying debts they’ve  hacking these records incurred under your name. and drain your bank account. skilled identity thieves may use a variety of methods to gain access to your data. in your name. • They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as “skimming. the trash of businesses. • They may open a bank account in your name and write bad checks on that account.” They may swipe your card for an actual purchase. July 9. • They may steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. The imposter then runs up charges on your account. cable and utility accounts. or attach the device to an ATM machine where you may enter or swipe your card.” 2 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 3 . it may be some time I’m still trying to clear up everything and just received my income tax refund before you realize there’s a problem. • They may steal your wallet or purse. When they use the From a consumer’s complaint to the FTC. This practice is known as “phishing” online. • They may open new credit card accounts in your name. • They may get your credit reports by abusing their employer’s authorized access to them.  conning information out of employees • They may buy a car by taking out an auto loan in your name. 2004 credit cards and don’t pay the bills. credit card offers. the delinquent accounts are reported on your credit report. including bank and credit card statements. new checks. Trying to work and get all this cleared up is very stressful. and a cell phone account in my name. account. or authorize electronic • They get information from businesses or other institutions by: transfers in your name. Because your bills are being sent to a different address.

Box 6790. See Staying Alert. • Equifax: 1-800-525-6285. take the following four steps as soon as see page 5. Box 740241. and keep a record with the details of your conversations and copies of all correspondence. Atlanta. If versions of your report. • Driver’s license/other government-issued identification: Contact the agency that issued the license or other identification document. which will place an alert on their police. For consumer reporting company contact information. PLACE A FRAUD ALERT ON YOUR CREDIT REPORTS. TX 75013 • TransUnion: 1-800-680-7289. GA 30374-0241 • Experian: 1-888-EXPERIAN (1-888-397-3742). watch for signs that your information in your name. • Financial accounts: Close accounts. www. If they don’t show up for their court date.experian. CA 92834-6790 Once you place the fraud alert in your file. only the last four digits of your SSN will appear on your credit reports. Fraud alerts can help prevent an identity thief from opening any more accounts Once you’ve taken these precautions. reporting companies below to place a fraud alert on your credit report.equifax. Fullerton. immediately.com. or if it has been stolen from you. taking certain steps quickly can minimize the potential for identity theft. too. AND REVIEW file so that no one else can get a license or any other identification YOUR CREDIT REPORTS. possible.transunion. An alert can help stop someone from opening new credit IMMEDIATE STEPS accounts in your name. Avoid using your mother’s maiden name. another crime was committed – for example. and. For more information about fraud alerts. The company If your information has been misused.O. 4 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 5 . as well. you’re entitled to order free copies of your credit reports. page 27. like credit cards and bank accounts. or a series of consecutive numbers. IF YOUR PERSONAL INFORMATION HAS BEEN LOST OR STOLEN: If you’ve lost personal information or identification. if your purse or wallet was stolen or your house or car was broken into – report it to the police immediately. a warrant for arrest is issued in your name. file a report about the theft with the you call is required to contact the other two. P. When you open new accounts. www.O. Box 9532. place passwords on them. if you ask. Contact the toll-free fraud number of any of the three consumer is being misused. see page 6.O. document from them in your name. www. Allen. If you are a victim of identity theft. • Social Security number: Call the toll-free fraud number of any of the three IDENTITY THEFT VICTIMS: nationwide consumer reporting companies and place an initial fraud alert on your credit reports. Fraud Victim Assistance Division. Follow its procedures to cancel the document and to get a replacement.• They may get a job or file fraudulent tax returns in your name.com. P. the last four digits of your Social Security number (SSN) or your phone number. Ask the agency to flag your 1. P. and file a complaint with the Federal Trade Commission. your birth date. • They may give your name to the police during an arrest. You only need to contact one of the three companies to place an alert.com.

accounts you didn’t open. CLOSE THE ACCOUNTS THAT YOU KNOW. Send your letters by certified mail. or a series of consecutive numbers. write to the company at the address given for extended alert placed on your credit report if you’ve been a victim of identity theft “billing inquiries. review them carefully. ask the company for the forms to dispute initial fraud alert be placed on your credit report if you suspect you have been. It’s important to notify credit card companies and banks especially for the first year after you discover the identity theft. in your alert. Remember to keep all contact infor- mation in your alert current. and employers are correct. before issuing you credit. you can document what the company received and when. they must verify your identity again about the fraudulent debt. appropriate proof of your identity. so no new fraudulent activity has occurred. will remove your name from marketing lists for pre-screened credit offers for five years – unless you ask them to put your name back on the list before then. the last four digits of your SSN or your phone number. you’re en. which may include your SSN. Check that information like your SSN. use new Personal Identification Numbers (PINs) and passwords. and debts on BEEN TAMPERED WITH OR OPENED FRAUDULENTLY. address(es). 6 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 7 . your accounts that you can’t explain. When you place an extended alert on your credit report. supporting documents. HAVE from companies you haven’t contacted. ask for move the fraud alert. name. name or initials.Once you get your credit reports. ask if the company accepts the ID Theft titled to two free credit reports within 12 months from each of the three nationwide Affidavit (see page 37). Follow up in writing. you’re entitled to one free credit report • For charges and debits on existing accounts. the business may try to contact you directly. or on • An initial alert stays on your credit report for at least 90 days. ask the representative to send from each of the three nationwide consumer reporting companies. To compensate for possible delays. This letter is your best proof if errors relating to this account reappear on your credit report or you are contacted When a business sees the alert on your credit report. In addition. your birth date. company. you will be required to provide page 17 to learn how. To place either of these alerts on your credit report. you may wish to include a cell phone number. you will need a copy of an identity theft report and proof of a letter stating that the company has closed the disputed accounts and has your identity. a victim of identity theft. the consumer reporting companies company’s fraud dispute forms. If you find fraudulent Call and speak with someone in the security or fraud department of each or inaccurate information. or are about to be. If the identity thief has made charges or debits on your accounts. • For new unauthorized accounts. If the company doesn’t have special forms. you the company’s fraud dispute forms. Keep a file of your correspondence and enclosures. to make sure in writing. use the sample letter on page 20 to dispute the fraudulent charges or • An extended alert stays on your credit report for seven years. dispute this fraudulent information. get it removed.” NOT the address for sending your payments. This may cause some delays if you’re trying to obtain credit. When you open new accounts. In either case. return receipt requested. See Correcting Credit Reports. where you can be reached easily. Look for inquiries 2. Avoid using easily available information like your FRAUD ALERTS mother’s maiden name. Continue to check your credit reports periodically. An initial alert is appropriate if your wallet those transactions: has been stolen or if you’ve been taken in by a “phishing” scam. You can have an debits. and you provide the consumer reporting company with an “identity theft report” (see page 9). When you place an initial fraud alert on your credit report. Once you have resolved your identity theft dispute with the company. and an extended alert. If not. ask the representative to send you the consumer reporting companies. If the company already has reported these accounts or debts on your credit report. OR BELIEVE. See Correcting Credit Reports. and include copies (NOT originals) of page 17 to learn how. To re. There are two types of fraud alerts: an initial alert. As part of this verification process. You may ask that an fraudulently opened accounts. address and other personal information requested by the consumer reporting company. discharged the fraudulent debts.

S. You can file a complaint online at www. DC 20580. There is no federal law requiring a federal • proof of your identity. the The company can ask you for: U. • a police report and a completed affidavit. or write: Identity Theft Applications or other transaction records related to the theft of your identity may Clearinghouse. If the police are reluctant to take your report. to your identity theft if you submit your request in writing. signature on an application is not yours.ftc. provide as the type of information the company usually requests from applicants or customers. much information as you can about the crime. like your local police department. the number of the provide information or documentation in addition to that included in the law report. THE IDENTITY THEFT REPORT porting documents. nation track down identity thieves and stop them. or ask in your written request that a copy of these records be sent to a particular law enforcement officer. These documents also may contain informa- tion about the identity thief that is valuable to law enforcement. theft report contains everything they need.org provider then have 15 more days to work with you to make sure your identity for a list of state Attorneys General. you may be able to show that the Washington. 8 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 9 . The FTC can refer victims’ complaints to other government agencies and companies for further action. and the FTC. If you give them any information after the 15-day deadline. if you already obtained an extended fraud alert on your credit also can check with your state Attorney General’s office to find out if state law report. If you PROVING YOU’RE A VICTIM don’t have Internet access. Be sure to ask the company representative where you should mail your request. however. the agency to take a report about identity theft. reporting company and the information provider (the business that sent the information to the consumer reporting company).naag. the fraudulent accounts opened. Secret Service. until 16 days after they asked you for that information. enforcement report which is reasonably intended to verify your identity theft. NW. the date you submit your request to the credit reporting company for requires the police to take reports for identity theft. or try another jurisdiction. You also may give permission to any law enforcement agency to An identity theft report may have two parts: get these records. This may be a photocopy of a government-issued ID card. You report. they may ask you to Then. or. FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION. your State Attorney General.gov/idtheft. 600 Pennsylvania Avenue. ask to file a “Miscellaneous They must make their request within 15 days of receiving your law enforcement Incidents” report. Federal Trade Commission. It can help you deal with creditors who need proof of the crime. you will provide as incomplete. you will have to resubmit your identity theft report with the important information that can help law enforcement officials across the correct information. like your state police. help you prove that you are a victim. toll-free: 1-877-IDTHEFT (1-877-438-4338). companies Be sure to call the Hotline to update your complaint if you have any additional must give you a copy of the application or other business transaction records relating information or problems. 3. and the alleged identity thief. or federal law enforcement agency. For example. Note: Knowingly submitting false information could subject you to criminal prosecution for perjury. For example. if you give them infor- mation 11 days after they request it. some state laws require same type of information the identity thief used to open or access the account. they can reject your identity theft report By sharing your identity theft complaint with the FTC. Check the Blue Pages information blocking. including anything you know and about the dates of the identity theft. they do not have to make a final decision 4. or local police departments to take reports. That is. state. They are entitled to take five days to review any information you give them. Part One is a copy of a report filed with a local. which may be the Identity Theft Affidavit (see page 37) or the company’s own affidavit. TTY: 1-866-653-4261. get a copy of the police report or at the very least. By law. FILE A REPORT WITH YOUR LOCAL POLICE OR THE POLICE IN Part Two of an identity theft report depends on the policies of the consumer THE COMMUNITY WHERE THE IDENTITY THEFT TOOK PLACE. Companies must provide these records at no charge to you within 30 days of receipt of your request and your sup. as well as investigate companies for violations of laws the agency enforces. call the FTC’s Identity Theft Hotline. The consumer reporting company and information of your telephone directory for the phone number or check www. When you file a report.

525. you probably will have to provide additional Comments Comments information or documentation when you use an automated report. Keep this list in a safe place for reference. Don’t assume that the person you talk to will give you all the information or help you need. but problems can crop up. what he or she tells you.7289 1. Date • Set up a filing system for easy access to your paperwork. TIPS FOR ORGANIZING YOUR CASE Accurate and complete records will help you to resolve your identity theft case more BANKS. Once resolved. Use this form to record the steps you’ve taken to report the fraudulent use of your identity. LAW ENFORCEMENT AUTHORITIES — REPORT IDENTITY THEFT Contacted • Keep the originals of supporting documents. Phone Number • Keep old files even if you believe your case is closed. Automated reports may be submitted online.You may find that most federal and state agencies.3742) Number Address and Phone resolved. or by telephone or mail. Number Contact Contact • Write down the name of everyone you talk to. • Have a plan when you contact a company. ask to speak to a supervisor.800. offer only “automated” reports – a report that does not require a face-to-face meeting with a law enforcement officer. Unless you are asking a consumer reporting company to place an extended Comments fraud alert on your credit report. CREDIT CARD ISSUERS AND OTHER CREDITORS (Contact each creditor promptly to protect your legal rights.6285 Department Consumer Reporting Agency/ Company TransUnion Creditor Experian Equifax 10 Take Charge: Fighting Back Against Identity Theft . send copies only.EXPERIAN (397. Use certified mail. Use Chart Your Course of Action on page 11 to help you. If you need more help. like police reports and letters to and from creditors. NATIONWIDE CONSUMER REPORTING COMPANIES — REPORT FRAUD CHART YOUR COURSE OF ACTION Date Date • Keep copies of all correspondence or forms you send. Number Phone 1. most cases stay 1. do not use an automated report. so you can document what the company or Contact Contacted Contacted Person organization received and when. return receipt requested. • Follow up in writing with all contacts you’ve made on the phone or in person. and the date Report Person Person the conversation occurred. The reason? It’s more difficult for the consumer reporting company or information provider to verify the information.888.680. Prepare a list of questions to ask the representative.800.) quickly. and some local police departments. If you have a choice. Don’t end the call until you’re sure you understand everything you’ve been told. as well as information about your identity theft.

or another electronic way to debit or credit an account.ftc. The institution must tell you the BANK ACCOUNTS AND FRAUDULENT WITHDRAWALS results of its investigation within three business days after completing it and Different laws determine your legal remedies based on the type of bank fraud must correct an error within one business day after determining that it occurred. most victims can resolve their cases by being assertive. but within 60 days after the unauthorized electronic fund transfer appears on your statement. 12 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 13 . report it immediately because the amount you can be held responsible for depends on how quickly you report the loss. Contact your card issuer for more information. you have suffered. money that was taken from your account after the end of the 60 days. For more information. federal law applies. I didn’t realize there was a problem until my • If you wait more than 60 days to report the loss or theft. After receiving your notification about an error on your statement. • If you report the loss or theft within two business days of discovery. For example. It also limits your liability for unauthorized electronic fund transfers. your losses are limited to $50. May 25. But if the investigation – but only if the money in dispute is returned to your account thief used an electronic fund transfer. Many transactions and you are notified promptly of the credit. no matter how much time has elapsed since the discovery of the loss or theft of the card. The best way to protect yourself in the event of an error or fraudulent transaction and knowledgeable about their legal rights. you could lose all the student loan application was denied. when a thief captures your account number and PIN without your card having been lost or stolen. From a consumer’s complaint to the FTC. It’s affected my credit rating so badly that I couldn’t get a student loan. 2004 Note: Most card issuers voluntarily have agreed to limit or waive consumers’ liability for unauthorized use of their debit cards. companies within specific time periods. If you’re not sure what type of transaction the thief used to sends you a written explanation. RESOLVING SPECIFIC PROBLEMS • If you report the loss or theft after two business days.gov/idtheft. This includes instances when your ATM or debit card is “skimmed” – that is. and ask for supervisors if you need more help letter. the institution may take the money back if it transactions. state laws protect you against fraud committed If the institution needs more time. At the end of the investigation. see Electronic commit the fraud. You have 60 days from the date your bank account statement is sent to you to report in writing any money withdrawn from your account without your permission. organized. Fraudulent Electronic Withdrawals The Electronic Fund Transfer Act provides consumer protections for transactions involving an ATM or debit card. may seem to be processed electronically but are still considered “paper” if no error has been found. Don’t delay in contacting any companies return receipt requested – so you can prove when the institution received your to deal with these problems. than you’re getting. I didn’t know anything about. Some laws require you to notify is to call the financial institution and follow up in writing – by certified letter. Banking and Credit. it may take up to 45 days to complete the by a thief using paper documents. you I received a copy of my credit report and saw about a half a dozen items that could lose up to $500 of what the thief withdraws. Keep a copy of the letter you send for your records. If your ATM or debit card is lost or stolen. ask the financial institution that processed the transaction. like stolen or counterfeit checks. ATM and Debit Cards: What To Do If They’re Lost or Stolen at www. While dealing with problems resulting from identity theft can be time-consuming and frustrating. the institution generally has 10 business days to investigate.

This will help ensure that any fraudulently opened accounts are closed. contact the agency that oversees your bank (see list below). Inc.. DC 20429. call your bank numbers at the bottom of checks).gov/consumers/consumer/news/cnsprg98/crook. and insures deposits at banks and savings and loans. your existing bank account. The merchant who rejects your check should give you www. MN 55125  Certegy. too. it may be because an be notified not to accept these checks.gov/consumers/consumer/news/cnsprg98/cons. you may be held responsible for the forgery if you fail to notify the follow the procedures under Correcting Credit Reports (see page 17) to bank in a timely manner that a check was lost or stolen. it may be because an identity thief credit cards.html 14 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 15 . close the account. work with your DMV or other identification Reserve System.. your checks should be accepted. Inc. You can contact major check verification companies directly for the Chex Systems. ask your bank to close your checking account. and as a “paper” transaction such as a demand draft.fdic. And How to Counter Them continuing to commit fraud. your driver’s license number. If you find that the thief is using your MICR code. www. or uses another type of produces consumer reports specifically about checking accounts. Division of Compliance and Consumer Affairs.fdic. For Systems. or write: Federal Deposit Insurance Corporation. stop payment. if an identity thief steals your checks or counterfeits checks from start any collections actions against you. www. While no federal law limits your losses identity thief has been opening accounts in your name. banking or consumer protection agency for more information. • The check verification company may or may not remove the information about the MICR code or the driver’s license/identification number from FDIC publications: its database because this information may help prevent the thief from • Classic Cons. If you find inaccurate information on your consumer report. (previously Equifax Check Systems) at 1-800-437-5120 • To find out if the identity thief has been passing bad checks in your name.html • If the checks are being passed on a new account. call: 7805 Hudson Road. Federal Deposit Insurance Corporation (FDIC) – www.html to make sure that no other bank accounts have been opened in your name.fdic. issuing agency to get new identification with new numbers. Inc. Inc.ffiec. to review your consumer report www.gov/consumers/consumer/news/cnfall97/wallet. Also contact Chex Systems. most states require you to take reasonable care of your account. state laws may protect you. Note: 550 17th Street. Inc. At the same You can request a free copy of your consumer report by contacting Chex time. Call the FDIC Consumer Call Center toll-free: 1-877-275-3342. is subject to the Fair Credit Reporting Act. example.com following services: Fax: 602-659-2197 Chex Systems. (contact information on page 15) or the Fraudulent New Accounts check verification service with which it does business. Chex Systems. Once you have taken the appropriate steps.” information the thief is using.gov If you discover that the thief is using your driver’s license number or some The FDIC supervises state-chartered banks that are not members of the Federal other identification number.aspx and click on “Institution its check verification company contact information so you can find out what Search. • To request that they notify retailers who use their databases not to accept Attn: Consumer Relations your checks. Inc. and open a new one.. That way. Contact your state dispute it.gov/nicpubweb/nicweb/nichome. call: WHERE TO FIND HELP  SCAN: 1-800-262-7771 If you have trouble getting a financial institution to help you resolve your banking-related identity theft problems.Fraudulent Checks and Other “Paper” Transactions • Dispute any bad checks passed in your name with merchants so they don’t In general. contact the bank to close • A Crook Has Drained Your Account. Washington. Contact each of the banks where account inquiries were made. states hold the bank responsible for losses from such transactions. Suite 100  TeleCheck at 1-800-710-9898 or 1-800-927-0188 Woodbury.: 1-800-428-9623.chexhelp. Most consumer reporting company. • Your Wallet: A Loser’s Manual www. including problems with bank-issued If your checks are rejected by a merchant.. if someone uses your checks with a forged signature. or another or visit the National Information Center of the Federal Reserve System at identification number. is using the Magnetic Information Character Recognition (MICR) code (the If you’re not sure which of these agencies is the right one. Who Pays? the account.fdic. Inc. retailers can If you have trouble opening a new checking account.. NW. and ask your bank to notify Chex Systems.

The Reserve Banks are located in Boston. the court to send a copy of the dismissal order to each consumer reporting com- OCC oversees its operations. CST).occ. Secret Service in The NCUA charters and supervises federal credit unions and insures deposits the city where the bankruptcy was filed. When you or your attorney ask the bankruptcy court to dismiss the Administration.gov including a statement that you did not file this bankruptcy case and that the The OCC charters and supervises national banks. write to the U.S. or contact the Federal Reserve Bank in Pages of your phone book under U.occ. Houston. In your letter. legal advice. TX 77010. Government Bankruptcy Administration. and San Francisco. You also may National Credit Union Administration (NCUA) – www.occ. or write: Office of Thrift Supervision. sumers with copies of court documents. The OTS is the primary regulator of all federal. The U. fax: official copies of the order at no charge so that you can send them to creditors 713-336-4301.S. Consumer reporting companies will block fraudulent information from Washington. to 4:00 p. thrift institutions. Philadelphia.Federal Reserve System (Fed) – www. In addition.treas. DC 20552. Trustee does not provide legal at federal credit unions and many state credit unions. Washington. Trustee Write: Division of Consumer and Community Affairs. 1775 Duke Street. S. you also should request that the bankruptcy court include in its order of dismissal facts that will help you repair your credit.gov/ftp/advisory/2001-4.ncua. You can get them from the bankruptcy clerk’s office for a fee.S.S.gov/idtheft. Kansas City.occ.doc provider (the business that sent the information to the consumer reporting company). fraudulently filed bankruptcy case.gov BANKRUPTCY FRAUD The Fed supervises state-chartered banks that are members of the Federal U. representation. and other personal information requested by the consumer reporting company.usdoj.S. If you believe someone has filed for bankruptcy in your name. U. That means you may need to hire an attorney to help convince the bankruptcy court that the filing is Call: 703-518-6360. A list of the U.gov fraudulent information in your report.federalreserve.ots. Alexandria. OCC publications: • Check Fraud: A Guide to Avoiding Losses www. The U. DC 20551. including savings banks and savings and loan institutions. or write: Compliance Officer.pdf CORRECTING FRAUDULENT INFORMATION IN CREDIT REPORTS The Fair Credit Reporting Act (FCRA) establishes procedures for correcting • How to Avoid Becoming a Victim of Identity Theft fraudulent information on your credit report and requires that your report be www. contact both the consumer reporting company and the information provider. are responsible for correcting Office of Thrift Supervision (OTS) – www. The letter also should state that the information does not relate to any transaction that you made or authorized. St.S. or write: Customer Assistance Group. New York. Trustee will make a criminal referral to law enforcement authorities if you provide appropriate documentation to substantiate your claim. The Dallas. 1700 G Street. 1301 McKinney Street. Trustee (UST) – www. Louis.” follow its name. you should send the order to the consumer reporting companies yourself. Some courts will even provide you with several Call toll-free: 1-800-613-6743 (business days 9:00 a. Trustee does not provide con- Suite 3710. If the word “national” case was filed by an imposter as the result of identity theft.S. address.A. such as a bank or credit card company. describe the situation and provide proof of your identity.m.pdf made available only for certain legitimate business needs. both the consumer reporting company and the information www.treas. VA 22314. • Identity Theft and Pretext Calling Advisory Letter 2001-4 Under the FCRA. or use them in case of future problems. appearing on your credit report if you take the following steps: Send them a copy of an identity theft report (see page 9) and a letter telling them what information is fraudulent. To protect your rights under the law. Ask the bankruptcy appears in the name of a bank. name.gov want to file a complaint with the U. if the court will not do so. your area. or check the Blue Reserve Board.m. provide proof of your identity that may include your SSN. and many state-chartered.S. Attorney and the U. Office of the Comptroller of the Currency (OCC) – www.treas. Federal Programs’ Regional Offices is available on the UST website. Minneapolis. Mail Stop 801. Chicago.treas. National Credit Union fraudulent.treas. Atlanta. Cleveland. or the initials “N.gov/ust Reserve System. or referrals to lawyers. Richmond. pany. Trustee in the region where the bankruptcy was filed.gov/chckfrd/chckfrd. Consumer Reporting Company Obligations Call: 202-906-6000. 16 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 17 . NW.

The items also are circled on mailed the bill. There’s also the “reinvestigation process. 18 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 19 . see How to Dispute Credit Report The information provider also may not hire someone to collect the debt that Errors and Your Access to Free Credit Reports. reporting companies once you send them an identity theft report and a letter formation provider that it has blocked the information.) For more information. Zip Code per card. and follow up quickly if your bills don’t arrive on time. Information Provider Obligations The consumer reporting company has four business days to block the fraudulent Information providers stop reporting fraudulent information to the consumer information after accepting your identity theft report. For more information on this process. The creditor must resolve Your name the dispute within two billing cycles (but not more than 90 days) after receiving your letter. The blocking process is only one way for identity theft victims to deal with If a consumer reporting company tells an information provider that it has fraudulent information. Note that the information provider may continue reporting company removes the block or refuses to place the block. and a description of the billing error. If the consumer by the information provider. by name of source. This is one reason it’s essential to keep track of your billing the attached copy of the report I received. To take advantage of the law’s consumer protections. including fraudulent charges on your accounts. two publications from the FTC at www.ftc. If an identity thief changed the I am a victim of identity theft. The creditor must acknowledge your complaint in writing within 30 days after Sincerely. Include Enclosed is a copy of the law enforcement report regarding my identity copies (NOT originals) of your police report or other documents that theft. It becomes your proof of the date the creditor received the letter. Please let me know if you need any other information from me to support your position. ing company may refuse to block the information or remove the block if.” which was blocked fraudulent information in your credit report. unless the problem has been resolved. it must let to report the information if it later learns that the information does not result you know. State.ftc. and identify type of item. Your Address The law also limits your liability for unauthorized credit card charges to $50 Your City. such as creditors or tax court. reports. It also must tell the in. you must: Complaint Department • write to the creditor at the address given for “billing inquiries.gov/idtheft. the information provider designed to help all consumers dispute errors or inaccuracies on their credit may not continue to report that information to the consumer reporting company. explaining that the information they’re reporting resulted from identity theft. including the amount and City. A sample letter is on page 20. State. from identity theft. your dispute letter following fraudulent information in my file. Enclosures: (List what you are enclosing. Dear Sir or Madam: • send your letter so that it reaches the creditor within 60 days after the first bill containing the error was mailed to you. or sell that debt to anyone else who would www. Zip Code date of the error. (Identify item(s) to be blocked statements. receiving it. for But you must send your identity theft report and letter to the address specified example. you have not told the truth about your identity theft. I am writing to request that you block the address on your account and you didn’t receive the bill. The consumer report. This information does not still must reach the creditor within 60 days of when the creditor would have relate to any transaction that I have made. such as credit account. see Fair Credit Billing and Avoiding Credit and Charge Card Fraud. block this information on my credit report.gov/idtheft. two publications from the FTC at relates to the fraudulent account.” NOT the Name of Consumer Reporting Company address for sending your payments. etc. address. try to collect it.) You should send your letter by certified mail. Keep a copy of your dispute letter. and request a return receipt. judgment. account Address number. SAMPLE BLOCKING LETTER – CONSUMER REPORTING COMPANY CREDIT CARDS Date The Fair Credit Billing Act establishes procedures for resolving billing errors Your Name on your credit card accounts. Include your name.

and that I receive an accurate statement. as well. even if those bills don’t result from identity theft. and make a copies of your photo identification documents. contact your state Department of Motor Vehicles (DMV) to find out if Enclosures: (List what you are enclosing.A. contact the police collector receives your letter.SAMPLE DISPUTE LETTER – FOR EXISTING ACCOUNTS photograph you. and even from county to county. that any finance and other charges related to the fraudulent (or to “John Doe” if the imposter’s true identity is not known). Zip Code your local police department to send the impersonation report to the police Your Account Number department in the jurisdiction where the arrest warrant. You’ll also want to clear your name in the court records. Ask the law enforcement agency to file the record of the follow-up Dear Sir or Madam: investigation establishing your innocence with the district attorney’s (D. ask Date the police to compare the prints and photographs with those of the imposter. To establish your innocence. You can stop a debt collector from contacting you in two ways: • Write a letter to the collection agency telling them to stop. Once the debt If wrongful criminal violations are attributed to your name. To do so.’s office for the appropriate court records needed to clear your name. Zip Code You’ll need to keep this document with you at all times in case you’re wrongly arrested again. or criminal conviction originated. State. Enclosed are copies of (use this sentence to describe any enclosed information. CRIMINAL VIOLATIONS DEBT COLLECTORS Procedures to correct your record within criminal justice databases can vary The Fair Debt Collection Practices Act prohibits debt collectors from using from state to state.A. Some states have enacted unfair or deceptive practices to collect overdue bills that a creditor has laws with special procedures for identity theft victims to follow to clear their forwarded for collection. ask Your City. Finally. two exceptions: They can tell you there will be no further contact. like your driver’s license. contact the D. You should check with the office of your state Attorney General. Once your name is recorded in a criminal database. with your name amount be credited. and they or the court agency that issued the warrant for the arrest. names.’s office in the county where the case was originally prosecuted. you’ll need such as a police report) supporting my position. Please investigate this matter to determine which state law(s) will help you with this and how. Ask that your files be flagged for possible fraud. Contact Legal Your name Services in your state or your local bar association for help in finding an attorney.) your driver’s license is being used by the identity thief. or travel visa. it’s unlikely amount of $______. but you can use the following information as a general guide. identity: Ask the police department to take a full set of your fingerprints. Your Name Your Address If the arrest warrant is from a state or county other than where you live.A. You may need to Sincerely. traffic citation. the company may not contact you again – with or sheriff’s department that originally arrested the person using your identity. I am a victim of identity theft. This will result in an amended I am writing to dispute a fraudulent (charge or debit) on my account in the complaint. and I did not make this that it will be completely removed from the official record. File an impersonation can tell you that the debt collector or the creditor intends to take some report with the police/sheriff’s department or the court. 20 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 21 . I am requesting that the (charge be removed or the debit name” or “primary name” be changed from your name to the imposter’s name reinstated). City. passport. hire a criminal defense attorney to help you clear your name.) office and/or court where the crime took place. State. and confirm your specific action. Name of Creditor Billing Inquiries The law enforcement agency should then recall any warrants and issue a Address “clearance letter” or “certificate of release” (if you were arrested/booked). Ask that the “key (charge or debit). Ask the D. If your state and correct the fraudulent (charge or debit) as soon as possible. noted as an alias. has no formal procedure for clearing your record.

If an identity thief has stolen your mail to get If you don’t have documentation to support your position. bank or credit card statements. or believe it was stolen or is being used fraudulently. If you’re having trouble getting fraudulent phone SSN as your driver’s license number.gov. You can file a Commission.fcc. report it to your disputing originates from a credit card you never applied for.sec. TTY: 1-888-TELL-FCC.gov original) of your police report may be useful. you can prove that it’s not your signature. or has falsified change-of-address forms or obtained your for sending you proof that you’re wrong. U. DC 20549.• Send a letter to the collection agency. Room complaint with the SEC’s Complaint Center at www. You can locate the USPIS district office nearest you by calling your local post office. 100 F Street. pre-screened credit offers.uspic.S. PASSPORT FRAUD While you can stop a debt collector from contacting you.gov/idtheft. the debt collector must tell that company that you may be a victim of identity theft. television. DC 20554.S. if the debt you’re personal information through a fraud conducted by mail. write to or e-mail your questions to fccinfo@fcc. In this case.html originally opened the account. or call a local USDS field office.shtml. Then. or write: Federal Communications report it to your broker or account manager and to the SEC. and investigates renew collection activities only if it sends you proof of the debt. NE. Include as much detail as possible. You can file complaints online at www.usps. PHONE FRAUD If an identity thief has established phone service in your name. If your state uses your and choose new PINs. Local on the debt. Call: tampered with your securities investments or a brokerage account. it’s important to contact the company that www.travel. 5A863. Washington. Washington. The FCC regulates interstate and investments by securities professionals.gov The SEC’s Office of Investor Education and Assistance serves investors who • For cellular phones and long distance. contact the Federal Communications complain to the SEC about investment fraud or the mishandling of their Commission (FCC) at www. If you don’t have Internet access. contact your service provider If you think your name or SSN is being used by an identity thief to get a driver’s immediately to cancel the account and/or calling card.state.gov/websites/depart/inspect. The USPIS has primary jurisdiction in all matters infringing on the integrity of the U.gov/complaint. report it on your credit report. a collector can The USPIS is the law enforcement arm of the U. be as specific as new credit cards. contact your state DMV.S. and cable. For example. see Fair Debt Collection. wire. checking the Blue Pages of your telephone directory. Including a copy (NOT postalinspectors. or initiate a lawsuit to collect contact the USDS through their website. Consumer Information Bureau.ftc. or visiting If you tell the debt collector that you are a victim of identity theft and it is www. that won’t get rid United States Department of State (USDS) – of the debt itself. within 30 days after you received written MAIL THEFT notice of the debt. a publication from the FTC at www. INVESTMENT FRAUD • For local service. 445 12th Street. ask for a copy local postal inspector. the SEC at: SEC Office of Investor Education and Assistance.sec. otherwise that company may send it to a different If you’ve lost your passport. cases of identity theft. For answers to general questions. mail. satellite.fcc. telling them that you do not owe the money. debt collector. contact the appropriate agency below.S. To dispute the debt. immediately 1-888-CALL-FCC. Include U. For more information. Securities and Exchange Commission (SEC) – www. field offices are listed in the Blue Pages of your telephone directory. Open new accounts license or a non-driver’s ID card. possible about why the debt collector is mistaken. The debt collector is responsible or tax information.gov/passport/passport_1738.gov.gov. Postal Service. charges removed from your account or getting an unauthorized account closed. of the application with the applicant’s signature. Postal Inspection Service (USPIS) – copies of documents that support your position. ask to substitute another number. call 202-551-6551. collecting the debt for another company. contact your state Public Utility Commission. 22 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 23 . or is using your calling card and PIN. is making unauthorized calls that seem to come from – and are billed to – your cellular DRIVER’S LICENSE phone. If you believe that an identity thief has international communications by radio. SW.

fax: 410-597-0118.pdf STUDENT LOANS • Credit Card Loss Protection Offers: They’re a Real Steal Contact the school or program that opened the student loan to close the www.gov/pubs/10002. Federal Trade Commission (FTC) – www.ftc. Call the Inspector General’s Hotline toll-free at 1-800-MIS-USED.ftc.shtm • Identity Theft And Your Social Security Number (SSA Pub. call toll-free: 1-800-269-0271. 24 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 25 . 05-10064) www. 05-10002) www.gov The FTC wants consumers and businesses to know about the importance You also may call SSA toll-free at 1-800-772-1213 to verify the accuracy of of personal information privacy.html • Credit.ftc.html?src=rt.pdf TAX FRAUD • Debt Collection FAQs: A Guide for Consumers Internal Revenue Service (IRS) – www.gov/bcp/edu/pubs/consumer/alerts/alt052.gov/bcp/edu/pubs/consumer/credit/cre14.ssa.S.ftc.irs.gov/irs/ci www.gov/bcp/edu/pubs/consumer/credit/cre18. Follow up in writing.O.gov/pubs/10064.SOCIAL SECURITY NUMBER MISUSE If you suspect or know of an individual or company that is not complying with Social Security Administration (SSA) – www. Box 17768. FTC publications: • Deter. or you have suffered • Your Access to Free Credit Reports or are about to suffer a significant hardship as a result of the administration www.gov/about/offices/list/oig/hotline. ATM and Debit Cards: What to Do If They’re Lost or Stolen www.ftc. Department of Education. Statement.gov/bcp/edu/pubs/consumer/credit/cre34.gov/oig. or is designed and type in the IRS key word “Tax Fraud. Washington. U. • Electronic Banking visit www.pdf The IRS is responsible for administering and enforcing tax laws.pdf • Social Security: Your Number and Card (SSA Pub. DC 20202-1510. Defend: Fighting Back Against Identity Theft SSA publications: www. or write: SSA Fraud Hotline.html • Avoiding Credit and Charge Card Fraud www.pdf loan.pdf Inspector General. FOR MORE INFORMATION P.gov/bcp/edu/pubs/consumer/idtheft/idt01. You may file a complaint online at www. or get a replacement SSN card if yours is lost or stolen. may be related to terrorist activity. Identity fraud may occur as it relates directly to your tax records.ftc.ssa.socialsecurity.gov/bcp/edu/pubs/consumer/credit/cre07. • Fair Credit Billing www.gov of Social Security cards. Baltimore.ftc.ssa.gov/bcp/edu/pubs/consumer/credit/cre04.gov/bcp/edu/pubs/consumer/credit/cre21.ftc.shtm • SSA Fraud Hotline for Reporting Fraud www. www.gov/oig/guidelin.htm • Identity Crisis… What to Do If Your Identity Is Stolen www. To request free copies of brochures.ssa. SW.ftc.gov/idtheft or call 1-877-FTC-HELP (1-877-382-4357).irs.ed. visit the IRS Taxpayer Advocate Service website www. or write: Office of www. Detect.ftc. request a copy of your Social Security www. report it to the Internal Revenue Service Criminal Investigation If you have specific information of SSN misuse that involves the buying or selling Informant Hotline by calling toll-free: 1-800-829-0433 or visit www.ftc. 400 Maryland Avenue.” to obtain Social Security benefits. visit the earnings reported on your SSN.gov/bcp/edu/pubs/consumer/idtheft/idt07. Visit www.gov/advocate/ or call toll-free: 1-877-777-4778.ftc. MD 21235.treas. At the same time.pdf If you have an unresolved issue related to identity theft.pdf of the tax laws. No. No.gov/bcp/edu/pubs/consumer/credit/cre16.S. report the fraudulent loan to the U.gov and type in • How to Dispute Credit Report Errors the IRS key word “Identity Theft” for more information.irs. contact the SSA Office of the Inspector General.gov the tax law. Department of Education.

GETTING YOUR CREDIT REPORT Free Annual Credit Reports The Fair Credit Reporting Act requires each of the nationwide consumer re- porting companies – Equifax.S. including identity theft. STAYING ALERT Once resolved. most cases of identity theft stay resolved. and TransUnion – to provide you with a free copy of your credit report. Although the Secret Service generally investigates cases where the dollar loss is substantial. And stay alert for other signs of identity theft. or being offered less favorable credit terms. continue to monitor your credit reports and read your financial account statements promptly and carefully. Follow up with creditors if your bills don’t arrive on time.U. and once a year thereafter. • getting calls or letters from debt collectors or businesses about merchandise or services you didn’t buy. You may want to review your credit reports once every three months in the first year of the theft. your information may provide evidence of a larger pattern of fraud requiring their involvement. Secret Service – www.S. Experian.gov The U. at your request. Secret Service investigates financial crimes. • being denied credit. like a high interest rate. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks. Local field offices are listed inside the back cover of this publication. 26 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 27 . To help stay on top of the situation. for no apparent reason.secretservice. some victims have recurring problems. But occasionally. • receiving credit cards that you didn’t apply for. once every 12 months. like: • failing to receive bills or other mail.

equifax. they are not required to make a purchase to receive their free annual credit reports. Georgia. www. Box 105281.transunion. Maine. Massachusetts. a publication from the FTC. For more information. The form is at the back of this booklet. you’re entitled to a free report if a company takes adverse action against you. www.com 30348-5281. or employment. The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell www. GA 30348-5281. contact: reporting companies. or complete the Annual Credit Report Request Form and mail • Equifax: 1-800-685-1111. Box 105281.annualcreditreport. call toll-free 1-877-322-8228. address. They provide free annual credit reports only through Under state law. Atlanta. While consum- ers may be offered additional products or services while on the authorized website. 1-877-322-8228.gov/credit. or your report is inaccurate because of fraud. a consumer reporting company may charge you up to $10. insurance. or link to it from the FTC’s website to avoid being misdirected to other websites that offer suppos- edly free reports. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days. GA • Experian: 1-888-EXPERIAN (1-888-397-3742). such as denying your application for credit.gov/credit. Atlanta. P.ftc. and Vermont already have free access to their credit reports.experian. www.O.com. Otherwise. see Your Access to Free Credit Reports. and Annual Credit Report New Jersey. consumers in Colorado.com it to: Annual Credit Report Request Service. P. visit www. Request Service. Maryland. you’re on welfare.com. Other Consumer Rights to Free Reports Under federal law. and you request your report within 60 days of receiving notice of the action.O. at www. or you can print it from • TransUnion: 1-800-916-8800.com www.50 for another copy of your report within a 12-month period. 28 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 29 .com.annualcreditreport.annualcreditreport.To order your free annual report from one or all the national consumer To buy a copy of your report. but only with the purchase of other products. and phone number of the consumer reporting company. www. Do not contact the three nationwide consumer reporting companies individually.ftc. The notice will give you the name.

Find out if your information will be shared with anyone else. and a business’s response to your alert. and I’m worried about that. Many companies post scam alerts when their name is used improperly. For more information. Ask about the disposal procedures for those records as well. Before you share any personal information. Postal Service • Secure personal information in your home. at 1-800-275-8777 to request a vacation hold. consecutive numbers. or other institutions that collect your personally identifying 30 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 31 . the Internet unless you’ve initiated the contact or are sure you know who you’re dealing with.S. Internet service providers (ISPs). Find out who has access to your personal information and verify that it is handled securely. and other identifying information. remove mail from your mailbox. ACTIVE DUTY ALERTS FOR MILITARY PERSONNEL If you are a member of the military and away from your usual duty station. • Ask about information security procedures in your workplace or at businesses. and have posed as representatives of From a consumer’s complaint to the FTC. Or call customer service using the number listed on your account statement WHAT TO DO TODAY or in the telephone book. information. You may use a personal repre- Last week I noticed that I was getting products in the mail that I hadn’t ordered. sentative to place or remove an alert. or a series of • Treat your mail and trash carefully. are the same as that for an initial alert (see page 6). a publication from the FTC at www. you’ll be removed from the credit reporting companies’ marketing list for pre-screened credit card offers for two years unless you ask to go back on the list before then. For contact information for the consumer reporting companies. you may find that many  Deposit your outgoing mail in post office collection boxes or at your businesses still have a line on their applications for your mother’s maiden local post office. When you place an active duty alert. call the U. you can place another alert on your credit report. the last four digits of your SSN or your phone number. or are having work done in your home. The MINIMIZING RECURRENCES process for getting and removing an alert. mother’s maiden name. Promptly name. see page 5. rather than cutting and pasting it. especially if you have roommates. Avoid a ‘Phishing’ Scam. doctor’s offices. your birth date. using easily available information like your mother’s maiden name. When opening new accounts. ask how your information can be kept confidential. January 7. bank. you may place an active duty alert on your credit reports to help minimize the risk of identity theft while you are deployed. confirm When it comes to identity theft. If your deployment lasts longer. will hold your mail at your local post office until you can pick it up or are home to receive it.ftc.gov/idtheft. The Postal Service employ outside help. If so. If you’re planning to be away from home and can’t pick up your mail. 2004 banks. account numbers. Active duty alerts are in effect on your report for one year. Then I noticed charges on my credit card statement that I hadn’t made. MAINTAINING VIGILANCE I don’t know what else this person may be doing with my accounts and/or my •Don’t give out personal information on the phone. you can’t control whether you will become a that you are dealing with a legitimate organization. Identity thieves are clever. website by typing its URL in the address line. or on name. But there are certain steps you can take to minimize recurrences. Ask if you can use a password instead. I spent a whole day calling the vendors’ numbers listed on my statement to let them know someone was using my credit card to make purchases without my permission. see How Not to Get Hooked by • Place passwords on your credit card. Check an organization’s victim. through the mail. and even government agencies to get people to reveal their SSN. and phone accounts. rather than in an unsecured mailbox.

applying for a loan. pick them up from the bank instead of having them mailed to your home mailbox. do the same with copies hours a day. Identity thieves may create phony promotional offers to get you to give them your personal information. The decision to share is yours.ftc. and symbols. • Give your SSN only when absolutely necessary. • Be cautious when responding to promotions. Be sure your browser has the most up-to-date encryption capabilities by using the latest A SPECIAL WORD ABOUT SOCIAL SECURITY NUMBERS version available from the manufacturer. leave it in a secure place. physician personal papers in a secure place. and bank account numbers on your computer. Other businesses may ask you for your SSN to do a credit check if you are is secure during transmission. call: 1-888-5-OPTOUT returns. checks and bank statements. You may store your SSN. When submitting information. financial records. You also can download some browsers for free over the Internet. see File Sharing: A Fair Share? Maybe Not and Spyware. . For more information. he’s a good cat. access the personal information stored on it. insurance forms. and patches for your asked to provide your SSN which the consumer reporting companies operating system and other software programs should be installed to protect need to match you with your file. If someone asks for your SSN. Be careful about using file-sharing uses your SSN as your policy number. hackers can take over your computer. use a strong password – a combination of letters (upper and lower • Why do you need my SSN? case). If you do. The firewall program will allow you to stop uninvited access to of administrative forms that have your sensitive personal information. Depending on what you use your personal statements. . BUT . it’s whether you want to share your SSN with the business. These tips (1-888-567-8688). an identity thief may not need to set foot in your house to steal you’re discarding. especially if you use a high-speed Internet connection like cable. companies use the same toll-free number to let consumers choose not to receive credit offers based on their lists. however. and keeping your receipts. 32 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 33 . • Use a firewall program.  To thwart an identity thief who may pick through your trash or recycling THE DOORS AND WINDOWS ARE LOCKED. renting an apartment. Getting satisfactory answers to these questions will help you decide always log off when you’re finished. Sometimes. look Your employer and financial institutions will need your SSN for wage and tax reporting for the “lock” icon on the browser’s status bar to be sure your information purposes. Do the same if your health insurance company programs from people you don’t know. DSL or T-1 that leaves your computer connected to the Internet 24 • Keep your purse or wallet in a safe place at work. and benefit you want. tax of receiving offers of credit in the mail. ask to • Do not open files sent to you by strangers. The Windows XP operating system also can be set to automatically check for patches and download them to your computer. Note: You will be • Virus protection software should be updated regularly. or click on hyperlinks or download substitute another number. your computer. Without it. they simply want your SSN for general record keeping. virus protection software should be set to • Don’t carry your SSN card. harder for a thief to access your personal information. For • What will happen if I don’t give you my SSN? example. birth date. or use it to commit other crimes. To opt out your personal information. and credit offers you get in the mail. tear or shred your charge You may be careful about locking your doors and windows. • Use a secure browser – software that encrypts or scrambles information you send over the Internet – to guard your online transactions. Ideally.” which could capture your passwords or any • Carry only the identification information and the credit and debit cards that other information as you type it into your keyboard. automatically update each week. numbers. if your laptop is stolen. you’ll actually need when you go out. converting some letters into numbers that resemble letters. programs. some businesses may not provide you with the service or an automatic log-in feature that saves your user name and password. copies of credit applications. publications from the FTC at www. The three nationwide consumer reporting can help you keep your computer – and the personal information it stores – safe. expired charge cards that computer for. Don’t use If you don’t provide your SSN.gov/idtheft. against intrusions and infections that can lead to the compromise of your computer files or passwords. bins to capture your personal information.” would become 1LFHA6c. If your state uses your SSN as your driver’s license number. and ask to use other types of identifiers. or signing up for utilities. A good way to create a strong password is to • How will my SSN be used? think of a memorable phrase and use the first letter of each word as your • How do you protect my SSN from being stolen? password. • When ordering new checks. ask: • Try not to store financial information on your laptop unless absolutely necessary. Opening a file could expose your system to a computer virus or a program known as “spyware. “I love Felix. That way.

possesses or uses. or that constitutes a felony under any applicable state or local law. Secret Service. access. §1028) makes identity theft a federal crime. in part.ftc. a publication from the FTC at www.” So is a credit card number. identity theft takes place when someone “knowingly transfers. delete all the personal information it stored.• Before you dispose of a computer. APPENDIX IT’S THE LAW Federal Law The Identity Theft and Assumption Deterrence Act. They should answer questions about maintaining accuracy. For more information. the FBI. including the U. 34 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 35 . any unlawful activity that constitutes a violation of federal law. at 18 U. the U. or to aid or abet. see Site-Seeing on the Internet: A Traveler’s Guide to Cyberspace. and control of personal information collected by the site. a name or Social Security number is considered a “means of identification.” Under this definition. Violations of the federal crime are investigated by federal law enforcement agencies. where they may be retrieved easily.S.C. how the information will be used.S. Federal identity theft cases are prosecuted by the U. the FCRA defines identity theft to apply to consumers and businesses. or any other piece of information that may be used alone or in conjunction with other information to identify a specific individual. Use a “wipe” utility program to overwrite the entire hard drive. or in connection with.S. cellular telephone electronic serial number. • Look for website privacy policies. and whether it will be provided to third parties. For the purposes of the law. enacted by Congress in October 1998 (and codified. without lawful authority. and the Social Security Administration’s Office of the Inspector General. Deleting files using the keyboard or mouse commands or reformatting your hard drive may not be enough because the files may stay on the computer’s hard drive. If you don’t see a privacy policy – or if you can’t understand it – consider doing business elsewhere.S. Under federal criminal law. Postal Inspection Service. security. a means of identification of another person with the intent to commit.gov. Department of Justice.

While many companies accept this affidavit. If someone made unauthorized charges to an existing account. attach copies (NOT originals) of any supporting documents (for example. call the company for instructions. the practices may be prohibited ID THEFT AFFIDAVIT under other laws. This affidavit has two parts: • Part One — the ID Theft Affidavit — is where you report general informa- tion about yourself and the theft. Before submitting your affidavit.State Laws Many states have passed laws making identity theft a crime or providing help INSTRUCTIONS FOR COMPLETING THE in recovery from identity theft. or visit www.gov/idtheft. When you send the affidavit to the companies. The ID Theft Affidavit may be required by a company in order for you to ob- tain applications or other transaction records related to the theft of your iden- tity. You may not need the ID Theft Affidavit to absolve you of debt resulting from identity theft if you obtain an Identity Theft Report. Use a separate Fraudulent Ac- count Statement for each company you need to write to. this affidavit is only for use where a new account was opened in your name. Importantly. review the disputed account(s) with family members or friends who may have information about the account(s) or access to them. An Identity Theft Report can be used to (1) permanently block fraudu- lent information from appearing on your credit report. 36 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 37 . Before you send the affidavit. For example.org) or local consumer protection agency for laws related to To make certain that you do not become responsible for any debts incurred identity theft. • Part Two — the Fraudulent Account Statement — is where you describe the fraudulent account(s) opened in your name. If they do not accept the ID Theft Affidavit. consumer advocates. driver’s license or police report).ftc. contact each company to find out if they accept it. by an identity thief. you must prove to each of the companies where accounts were opened in your name that you didn’t create the debt.naag. and at- torneys at the Federal Trade Commission (FTC) for this purpose. you may be able to show that the signature on an application is not yours. We suggest you consider obtaining an Identity Theft Report where a new account was opened in your name. (2) ensure that debts do not reappear on your credit reports. These documents also may contain information about the identity thief that is valu- able to law enforcement. others require that you submit more or different forms. ask them what information and/or documentation they require. (3) prevent a company from continu- ing to collect debts or selling the debt to others for collection. These records may help you prove that you are a victim. others are considering such legislation. The ID Theft Affi- davit was developed by a group of credit grantors. Where specific criminal identity theft laws do not exist. visit www. Contact your state Attorney General (for a list of state offices. and (4) obtain an extended fraud alert.

toll-free: 1-877-IDTHEFT (438-4338). can create an Iden- • Equifax: 1-800-525-6285. The company you call is required to contact the other two. Print clearly. the last four digits of your Social Security number. in conjunction with the police report. the company might have to provide it to the requesting can refer victims’ complaints to other government agencies and companies for party. Provide a copy of your ID Theft Complaint filed with the FTC (see below). you’re entitled to order one free credit report from each of the three consumer reporting companies. If you don’t have Internet If you haven’t already done so.Complete this affidavit as soon as possible. The FTC also requested in a lawsuit. DC 20580. phone number. bank. Close the accounts. your telephone directory for the phone number or check www.org for a list of state Attorneys General. or believe. will slow the process of investigating your claim and absolving the debt. Check the Blue Pages of their investigation. the number of the report. very least. receipt requested. When you open new accounts. and include copies (NOT originals) of supporting documents. TTY: 1-866-653-4261. The companies will You also can check with your state Attorney General’s office to find out if state review your claim and send you a written response telling you the outcome of law requires the police to take reports for identity theft. or try another jurisdiction. report the fraud to the following organizations: access. too. once you have placed a fraud alert. incorrect or incomplete information when. You can file a complaint online at www. call the FTC’s Identity Theft Hotline. Completing this affidavit does not guarantee that the identity thief will further action. Keep a copy of everything you submit. if you ask. Except as noted. When you file credit report. Federal Trade Com- 1. Washington. 38 Take Charge: Fighting Back Against Identity Theft Take Charge: Fighting Back Against Identity Theft 39 . The ID Theft Complaint • Experian: 1-888-EXPERIAN (397-3742).experian. DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER 2. Get a copy of the police report or.gov/idtheft.com provides the supporting details necessary for an Identity Theft Report. www. You may choose not to provide some return receipt requested. In addition. or company that provided the thief with the unauthorized credit. they will display only the last four digits of your Social Security number on your credit reports. www. or a series of consecutive numbers. Your local police or the police in the community where the identity theft took with information only on accounts opened at the institution to which you are place. You should bring a copy of the printed ID Theft will place an alert on their versions of your report. If this affidavit is ficials across the nation track down identity thieves and stop them. your When you have finished completing the affidavit. 600 Pennsylvania Avenue.equifax. as well as investigate companies for violations of laws that the FTC be prosecuted or that the debt will be cleared.com tity Theft Report that will help you recover more quickly. inves. so you can document what the company received and of the information requested. accounts GOVERNMENT AGENCY have been tampered with or opened fraudulently. The security or fraud department of each company where you know. and help stop further fraud. The Federal Trade Commission. It can help you deal with creditors who need proof of the crime. like your state police. enforces. Attach a copy of the Fraudulent Account Statement 3. Send your letters by certified mail. By sharing your identity theft complaint with the you provide will be used only by the company to process your affidavit. If the police are reluctant to take your report. at the able to provide. Be as accurate and complete as possible. ask to file a Send the appropriate documents to each company by certified mail. mail a copy to each creditor. If you are unable to complete the affidavit.ftc. The ID Theft Complaint. Complaint with you to the police to be incorporated into your police report. or services you describe. the information 4. Avoid using easily available information like your mother’s maid- en name. Fraud alerts can help prevent an identity thief from opening any more ac. your birth date. Delays on your part could slow the investigation. goods. a legal guardian or someone with power of attorney may complete it for you. as well as any other supporting documentation you are be incorporated into the police report. Keep a file of your correspondence and enclosures. an ID Theft Complaint with the FTC online.com beyond the details of a typical police report. Follow up in writing. Any one of the nationwide consumer reporting companies to place a fraud alert on your mission. which go • TransUnion: 1-800-680-7289. return “Miscellaneous Incidents” report. and. which copy of your ID Theft Complaint. FTC. Many creditors ask that you send it within two weeks. to sending the packet. you will provide important information that can help law enforcement of- tigate the events you report. or write: Identity Theft Clearinghouse.transunion. However.naag. use new Personal Identification Numbers (PINs) and passwords. NW. It’s important to noti- fy credit card companies and banks in writing. you will be given the option to print a counts in your name. so you can prove that it was received. www.

goods or services described in this report. goods or services without my knowledge or authorization: (3) My date of birth is ________________________________ (day/month/year) _______________________________________ _______________________________________ Name (if known) Name (if known) (4) My Social Security number is________________________________ _______________________________________ _______________________________________ Address (if known) Address (if known) (5) My driver’s license or identification card state and number are____________________________ _______________________________________ _______________________________________ Phone number(s) (if known) Phone number(s) (if known) (6) My current address is _____________________________________________________________________ _______________________________________ _______________________________________ Additional information (if known) Additional information (if known) City ______________________________________ State _________________ Zip Code ______________ (15) I do NOT know who used my information or identification documents to get money. III) (13) My identification documents (for example.17: (11) I did not authorize anyone to use my name or personal information to seek the money. credit. Sr. loans.) or identification documents to get money.. credit. goods or services as a result of the events described in this report. etc. description of the fraud. Sr. credit cards. (2) (If different from above) When the events described in this affidavit took place. Social Security card. (7) I have lived at this address since ____________________ credit. date of birth. Victim Information (12) I did not receive any benefit.. address. loans. my name. which documents or (8) (If different from above) When the events described in this affidavit took place. (1) My full legal name is ______________________________________________________________________ (First) (Middle) (Last) (Jr.) DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY GOVERNMENT AGENCY .) _____________________________________ ___________________________________________________ _______________________________________________________________________________________________ City ________________________________________ State _________________ Zip Code ______________ _______________________________________________________________________________________________ (9) I lived at the address in Item 8 from _________________________ until _________________________ _______________________________________________________________________________________________ (month/year) (month/year) _______________________________________________________________________________________________ (10) My daytime telephone number is (__________)____________________________ _______________________________________________________________________________________________ My evening telephone number is (__________)____________________________ (Attach additional pages as necessary.Name ______________________________________________ Phone number _______________________ Page 1 Name ______________________________________________ Phone number _______________________ Page 2 How the Fraud Occurred ID Theft Affidavit Check all that apply for items 11 . driver’s license. I was known as (day/month/year) (14) To the best of my knowledge and belief. (month/year) (16) Additional comments: (For example. existing account numbers. birth certificate. mother’s maiden name. etc. goods or services without my knowledge or authorization. the following person(s) used my information ____________________________________________________________________________________________ (for example. Social Security (First) (Middle) (Last) (Jr. money. III) number. my address was information were used or how the identity thief gained access to your information..) were stolen lost on or about ________________________. loans..

___________________________________ __________________________________________ (Agency #1) (Officer/Agency personnel taking report) __________________________________ __________________________________________ _______________________________________________ ____________________________________________ (Date of report) (Report number. _______________________________________________ ____________________________________________ (21) Proof of residency during the time the disputed bill occurred. correct.Name ______________________________________________ Phone number _______________________ Page 3 Name ______________________________________________ Phone number _______________________ Page 4 (22) A copy of the report you filed with the police or sheriff’s department. state. Attach copies (NOT originals) to the affidavit before sending it to the companies. I also understand that this affidavit (19) (check all that apply) I have have not reported the events described in this affidavit or the information it contains may be made available to federal. In the event you have contacted the police or other law enforcement agency. not a copy of the report. I understand that report. and may result in imposition of a fine or imprisonment or both. your driver’s one witness (non-relative) sign below that you completed and signed this affidavit. please knowingly making any false or fraudulent statement or representation to the government may complete the following: constitute a violation of 18 U. I certify that. if any) Documentation Checklist _______________________________________________ Please indicate the supporting documentation you are able to provide to the companies you plan (Notary) to notify. If they do not. If you are under 16 and don’t have a photo-ID. a copy of a utility bill or a copy of an insurance bill). all the information on and attached to this affidavit is true. if any) ___________________________________ __________________________________________ (Phone number) (email address. if any) (signature) (date signed) ___________________________________ __________________________________________ (Phone number) (email address. and/or local law enforcement to the police or other law enforcement agency. a rental/lease agreement in your name. The police did did not write a agencies for such action within their jurisdiction as they deem appropriate. Some companies only need the report number. to the best of my knowledge and belief. You may want to check (17) (check one) I am am not willing to assist in the prosecution of the person(s) who with each company. §1001 or other federal. state-issued ID card or your passport). ________________________________________________ ____________________________________________ (date) (telephone number) DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY GOVERNMENT AGENCY . and complete and made in good faith. (18) (check one) I am am not authorizing the release of this information to law Signature enforcement for the purpose of assisting them in the investigation and prosecution of the person(s) who committed this fraud. state. If you are unable to Victim’s Law Enforcement Actions obtain a report or report number from the police. Creditors sometimes require notarization. please indicate that in Item 19. committed this fraud. or local criminal statutes. please have (20) A copy of a valid government-issued photo-identification card (for example. the loan was made or the (signature) (printed name) other event took place (for example. you may submit a copy of your birth certificate or a copy of your official school Witness: records showing your enrollment and place of residence. if any) ___________________________________ __________________________________________ (Agency #2) (Officer/Agency personnel taking report) ___________________________________ __________________________________________ (Date of report) (Report number.S. [Check with each company.] license.C.

Include a copy of your signed affidavit.Name ______________________________________________ Phone number _______________________ Page 5 Fraudulent Account Statement Completing this Statement • Make as many copies of this page as you need.00 Example National Bank 22 Main Street Columbus. I had the following account open with your company: Billing name ___________________________________________________________________ Billing address__________________________________________________________________ Account number _______________________________________________________________ DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY . I declare (check all that apply): As a result of the event(s) described in the ID Theft Affidavit. the following account(s) was/were opened at your company in my name without my knowledge.500. Complete a separate page for each company you’re notifying and only send it to that company. • List only the account(s) you’re disputing with the company receiving this form. Ohio 22722 During the time of the accounts described above. permission or authorization using my personal information or identifying documents: Creditor Name/Address Account Type of unauthorized Date Amount/Value (the company that opened Number credit/goods/services issued or provided the account or provided the provided by creditor opened (the amount goods or services) (if known) (if known) charged or the cost of the goods/services) Example 01234567-89 auto loan 01/05/2002 $25. See the example below. • If a collection agency sent you a statement. letter or notice about the fraudulent account. attach a copy of that document (NOT the original).

U. state. there are a few things you should know. The Clearinghouse is a system of records covered under · LITTLE ROCK 501-324-6241 MISSISSIPPI TENNESSEE the Privacy Act of 1974. by telephone. the Privacy Act prohibits unauthorized CALIFORNIA · JACKSON 601-965-4436 · CHATTANOOGA 423-752-5125 · FRESNO 559-487-5204 · KNOXVILLE 865-545-4627 disclosures of the records it protects. It also gives individuals the right to · LOS ANGELES 213-894-4830 MISSOURI · MEMPHIS 901-544-0333 review records about themselves. the FTC may be required by law to disclose information you submit. where it believes that doing so DELAWARE NEW HAMPSHIRE · SALT LAKE CITY 801-524-5910 · WILMINGTON 302-573-6188 · MANCHESTER 603-626-5631 might help resolve identity theft-related problems. D. 600 Pennsylvania Avenue.C. · FORT MYERS 239-334-0660 · RICHMOND 804-592-3086 · JACKSONVILLE 904-296-0133 NEW MEXICO · ROANOKE 540-857-2208 · MIAMI 305-863-5000 · ALBUQUERQUE 505-248-5290 You have the option to submit your information anonymously. Before you contact us. law enforcement agencies · TAMPA 813-228-2636 · SPOKANE 509-353-2532 · WEST PALM BEACH 561-659-0184 · ALBANY 518-436-9600 and other organizations will not be able to contact you for more information · BUFFALO 716-551-4401 WEST VIRGINIA to help in identity theft investigations and prosecutions.htm.gov/idtheft. ARIZONA · GRAND RAPIDS 616-454-4671 · COLUMBIA 803-772-4015 · PHOENIX 602-640-5580 · SAGINAW 989-497-0580 · GREENVILLE 864-233-1490 · TUCSON 520-622-6822 MINNESOTA SOUTH DAKOTA We enter the information you send into the Identity Theft Clearinghouse. SECRET SERVICE FIELD OFFICES THE FTC’S PRIVACY POLICY ALABAMA MARYLAND PUERTO RICO · BIRMINGHAM 205-731-1144 · BALTIMORE 443-263-1000 · SAN JUAN 787-277-1515 When you contact the FTC with complaints or requests for information. Learn more about your Privacy Act rights · RIVERSIDE 951-276-6781 · KANSAS CITY 816-460-0600 · NASHVILLE 615-736-5841 · SACRAMENTO 916-325-5481 · SPRINGFIELD 417-864-8340 and the FTC’s Privacy Act procedures by contacting the FTC’s Freedom · SAN DIEGO 619-557-5640 · ST.S. LOUIS 314-539-2238 TEXAS · SAN FRANCISCO 415-744-9026 · AUSTIN 512-916-5103 of Information Act Office: 202-326-2430. an ARKANSAS · MINNEAPOLIS 612-348-1800 · SIOUX FALLS S 605-330-4565 electronic database. or by mail: Federal Trade Commission.ftc. NEBRASKA · LUBBOCK 806-472-7347 COLORADO · OMAHA 402-965-9670 · MCALLEN 956-994-0151 It also may be shared with employees of various federal. such as consumer reporting companies and any · NEW HAVEN 203-865-2449 · RENO 775-784-5354 UTAH companies you may have complained about.gov/foia/privacy_act. However. In general. The FTC also may share your information CONNECTICUT · LAS VEGAS 702-868-3000 · WACO 254-741-0576 with some private entities. GEORGIA · JFK 718-553-0911 · CHARLESTON 304-347-5188 · ALBANY 229-430-8442 · MELVILLE 631-293-4028 · ATLANTA 404-331-6111 · NEW YORK 718-840-1000 WISCONSIN · SAVANNAH 912-652-4401 · ROCHESTER 585-232-4160 · MADISON 608-264-5191 · SYRACUSE 315-448-0304 · MILWAUKEE 414-297-3587 GUAM · WHITE PLAINS 914-682-6300 · HAGATNA 671-472-7395 NORTH CAROLINA WYOMING · CHARLOTTE 704-442-8370 · CHEYENNE 307-772-2380 HAWAII · HONOLULU 808-541-1912 · GREENSBORO 336-547-4180 OVERSEAS OFFICES: LISTED BY COUNTRY · RALEIGH 919-790-2834 · AUSTRALIA (SYDNEY) 011-61-2-9373-9186 IDAHO · WILMINGTON 910-313-3043 · BRAZIL (BRASILIA) 011-55-613-312-7523 · BOISE 208-334-1403 NORTH DAKOTA · BULGARIA (SOFIA) 011-359-2-939-5646 · CANADA (MONTREAL) 1-514-939-8400 x2092 ILLINOIS · FARGO 701-239-5070 · CANADA (OTTAWA) 1-613-688-5460 · CHICAGO 312-353-5431 · CANADA (TORONTO) 1-416-640-8660 · SPRINGFIELD 217-726-8453 OHIO · CANADA (VANCOUVER) 1-604-689-3011 · AKRON 330-761-0544 · CHINA (BEIJING) 011-861-085-313-450 INDIANA · CINCINNATI 513-684-3585 · CHINA (HONG KONG) 011-852-2841-2524 · INDIANAPOLIS 317-226-6444 · CLEVELAND 216-706-4365 · COLOMBIA (BOGOTA) 011-571-315-1318 · COLUMBUS 614-469-7370 · ESTONIA (TALLINN) 011-372-608-2313 IOWA · DAYTON 937-222-2013 · FRANCE (INTERPOL / LYON) 011-334-7244-7198 · DES MOINES 515-284-4565 · TOLEDO 419-259-6434 · FRANCE (PARIS) 011-331-4312-7100 · GERMANY (FRANKFURT) 011-49-697-535-3763 KANSAS OKLAHOMA · ITALY (ROME) 011-390-64-674-2736 · WICHITA 316-267-1452 · OKLAHOMA CITY 405-810-3000 · JORDON (AMMAN) 011-962-6-590-6534 · TULSA 918-581-7272 · MEXICO (MEXICO CITY) 011-52-55-5080-2212 KENTUCKY · NETHERLANDS (EUROPOL / THE HAGUE) · LEXINGTON 859-223-2358 OREGON 011-3170-353-1533 · LOUISVILLE 502-582-5171 · PORTLAND 503-326-2162 · ROMANIA (BUCHAREST) 011-40-21-200-3462 · RUSSIA (MOSCOW) 011-7495-728-5573 LOUISIANA PENNSYLVANIA · SOUTH AFRICA (PRETORIA) 011-2-712-342-3380 · BATON ROUGE 225-925-5436 · HARRISBURG 717-221-4411 · SPAIN (MADRID) 011-34-91-587-2202 · NEW ORLEANS 504-841-3260 · PHILADELPHIA 215-861-3300 · THAILAND (BANGKOK) 011-662-255-1959 46 Take Charge: Fighting Back Against Identity Theft · PITTSBURGH 412-281-7825 · UNITED KINGDOM (LONDON) 011-44-20-7894-0846 MAINE · SCRANTON 570-346-5781 · PORTLAND 207-780-3493 September 2011 . · SAN JOSE 408-535-5288 MONTANA · DALLAS 972-868-3200 · SANTA ANA 714-246-8257 · BILLINGS 406-245-8585 · EL PASO 915-532-2144 · VENTURA 805-383-5745 · HOUSTON 713-868-2299 The information you submit is shared with FTC attorneys and investigators. 202-406-8000 · ATLANTIC CITY 609-487-1300 has been referred. In some limited circumstances. toll-free at · MONTGOMERY 334-223-7601 MASSACHUSETTS RHODE ISLAND · BOSTON 617-565-5640 · PROVIDENCE 401-331-6456 1-877-ID-THEFT (1-877-438-4338). DC · DETROIT 313-226-6400 · CHARLESTON 843-388-0305 20580. · MOBILE 251-441-5851 you can do it online at www. You may be contacted VERMONT by the FTC or any of the agencies or private entities to whom your complaint DISTRICT OF COLUMBIA NEW JERSEY · BURLINGTON 802-651-4091 · WASHINGTON. www. ALASKA · ANCHORAGE 907-271-5148 MICHIGAN SOUTH CAROLINA Identity Theft Clearinghouse. Washington. or local law · DENVER 303-850-2700 · SAN ANTONIO 210-308-6220 NEVADA · TYLER 903-534-2933 enforcement or regulatory authorities. NW. including requests from · NEWARK 973-971-3100 VIRGINIA FLORIDA · TRENTON 609-989-2008 · NORFOLK 757-441-3200 Congress.ftc. if you · ORLANDO 407-648-6333 WASHINGTON · TALLAHASSEE 850-942-9523 NEW YORK · SEATTLE 206-553-1922 do not provide your name and contact information.

gov/idtheft .1-877-ID-THEFT (1-877-438-4338) ftc.