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Carefully read the notification letter you receive to figure out what type of personal information was impacted by the breach, when it was likely acquired or subject to acquisition, and who may have been able to acquire it. You will need to know if the breach could affect your existing accounts, could result in the creation of new accounts, could compromise your personal identifying documents (like your Social Security number), or could potentially result in all of these categories of fraud.
If the notification you receive does not provide sufficient detail for you to fully understand how the breach may affect you, contact the business or organization and request more information. Many businesses will set up a toll-free hotline for questions about the breach. Or you can go to the business Web site to see if it issued a press release or posted additional information. The business may legitimately need to maintain certain information for security or proprietary reasons, but it should be able to give enough descriptive details to help you determine what you need to do to protect yourself from fraud.
You may also want to ask that a password or security question be added to your accounts to provide another layer of protection. Contact the creditor if your statement does not arrive on time. A missing bill could mean that an identity thief has changed your address.
If you discover someone has made fraudulent charges or debits in your name, file a police report and make sure you obtain a copy. Use the report to dispute the charges or debits so you can obtain a refund or reversal of the charges. For more information about disputing fraudulent charges, review our Identity Theft Victim Kit.
Some breaches compromise driver’s license numbers, ID card numbers, passports, or other identifying documents. In most instances, you will need to contact the agency or organization that created or issued the document to notify them of the breach. You may want to ask that a fraud alert, password or security question be added to your file. Depending on the level of vulnerability you could request a new document or card. For more information about situation-specific responses, including contact information for the Bureau of Motor Vehicles, IRS, Social Security Administration, and Passport Office, consult our Identity Theft Victim Kit.
The remainder of this guide provides instructions on how to establish fraud alerts, place a freeze on your credit reports, and keep track of your credit reports for security breach situations involving your SSN - in other words, breaches in which there is an opportunity for new accounts to be opened in your name.
Immediately call the fraud department of one of the three credit reporting agencies -- Experian, Equifax, or Trans Union. When you request a fraud alert from one bureau, it will notify the other two for you. Your credit file will be flagged with a statement that says you may be a victim of fraud and that creditors should phone you before extending credit.
Under new provisions of the Fair Credit Reporting Act (FCRA), you can place an initial fraud alert for only 90 days. You can renew the fraud alerts after 90 days if you wish. You may cancel the fraud alerts at any time.
If your SSN was improperly obtained, there may be additional steps you will want to take to protect yourself. Read our Identity Theft Victim Kit for more information about situation-specific actions and responses.
Disclosure of your Social Security number and other personal information could lead to the creation of new accounts in your name, so you will need to obtain a copy of your credit report and review it for unfamiliar accounts and inquiries. You are entitled to one free credit report per year from each major consumer reporting agency – Experian, Trans Union, and Equifax – under the federal Fair Credit Reporting Act. To order your free reports, go to http://www.annualcreditreport.com/ or call (877) 322-8228. Additionally, many businesses that experience breaches will offer free credit monitoring services to affected individuals.
When you receive your report, review it carefully to make sure the information is accurate. If you notice any unfamiliar accounts, loans, inquiries, or contact information, follow the agency dispute procedures to request that the information be corrected. You will also need to file a police report and dispute the fraudulent charges. For more information about disputing fraudulent accounts, review our Identity Theft Victim Kit.
A security freeze offers an extra layer of protection by preventing third parties, with limited exception, from obtaining your credit report without your permission. Security freezes, which have been available under Indiana state law since September 1, 2007, are designed to prevent identity thieves from opening accounts in your name. For more information about requesting a security freeze, click here.
If you believe the company or organization that experienced the security breach failed to comply with the disclosure law, or if you have become an identity theft victim because of the breach, you can contact the Identity Theft Unit to file a consumer complaint. The Unit will assist you in responding to the effects of identity theft, and it will investigate the matter to track down the thief and work with law enforcement and prosecutors to hold him or her accountable. The Unit will also investigate the breach for compliance with the disclosure law and may take enforcement action if a violation is discovered.
To file a complaint with the Identity Theft Unit, click here.
Since you may never know how many persons obtained your personal information as a result of a security breach, where they’re located, and what they did with the information, you will need to continue monitoring your accounts and credit reports for a period of time after the breach to watch for fraudulent activity. Keep checking your bank and credit accounts for unfamiliar charges. Continue ordering your credit reports and review them carefully for errors or fraudulent accounts. And watch your mail for suspicious or unexpected bills or account correspondence. Fraud or identity theft attempts may not occur right after the breach or even for months or years following the breach, so it is important to make a habit of closely monitoring your financial data and personal information.For more information about security breaches and identity theft, check out these links.
FAQ on Security Breaches