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Langley Federal Credit Union Recommendations June 17, 2005
This article is intended to be used for informational purposes only, not as legal advice.
No product endorsement is intended or implied.
Recommendations for Potential Victims of Identity Theft
  1. CREDIT REPORTS: Place fraud alerts with the three major credit bureaus by calling:

    · Equifax 1-800-525-6285
    · Experian 1-888-397-3742
    · TransUnion 1-800-680-7289

    You may place an initial 90 day fraud alert by calling any one of the three nationwide credit reporting companies. You may place an extended 7 year alert by writing to one of the nationwide credit reporting companies and providing an Identity Theft Report as well as a day and evening telephone number. You will receive a confirmation when an alert is added to your file. Check credit reports for unauthorized activity.
  2. ACCOUNTS: Review accounts for unauthorized activity.
  3. FOLLOW UP: If you have reason to believe fraud has occurred, follow all steps under Recommendations for Victims of Identity Theft.
Recommendations for Victims of Identity Theft
  1. CREDIT REPORTS: Place fraud alerts with the three major credit bureaus by calling:

    Equifax 1-800-525-6285
    Experian 1-888-397-3742
    TransUnion 1-800-680-7289

    You may place an initial 90 day fraud alert by calling any one of the three nationwide credit reporting companies. You may place an extended 7 year alert by writing to the nationwide credit reporting companies and providing an Identity Theft Report as well as a day and evening telephone number. You will receive a confirmation when an alert is added to your file. Obtain a free copy of your credit report through these agencies and check for unauthorized activity.
  2. ACCOUNTS: Review your accounts. If a problem is discovered, use a standard affidavit provided by the Federal Trade Commission (FTC) to report disputes. File a complaint with the FTC. You can file a complaint online at www.consumer.gov/idtheft. If you don't have Internet access, call the FTC's Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261; or write:

    Identity Theft Clearinghouse
    Federal Trade Commission
    600 Pennsylvania Avenue NW
    Washington, DC 20580.

    Close accounts that have been tampered with or opened fraudulently.
  3. POLICE REPORT: File a police report with your local police department and keep a copy for your records.
  4. SOCIAL SECURITY: If your Social Security number has been used to commit identity theft, call the Social Security Administration at 800-772-1213.
  5. MAIL: If you suspect that someone has changed your address with the post office or used the mail to commit identity theft, notify the local US Postal Inspector at their nearest post office.
  6. DRIVER'S LICENSE: If your driver's license number has been used to open accounts or verify checks, contact your state's Department of Motor Vehicles.