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As soon as you become aware your personal information has been stolen and/or used by someone else, you should act quickly and follow the steps outlined below. Be sure to keep a record with the details of your conversations and copies of all correspondence.
The Identity Theft Victim Kit was designed as a comprehensive guide to assist victims through the process of restoring their names. The steps in the kit are also outlined for you below.
Fraud alerts can help prevent an identity thief from doing further damage to your credit. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three agencies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report. Ask the company that you contact to confirm this action. Credit reports from all three consumer reporting companies should be sent to you free of charge.
TransUnion: 1.800.680.7289; http://www.transunion.com/; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Equifax: 1.800.525.6285; http://www.equifax.com/; P.O. Box 740241, Atlanta, GA 30374-0241
Experian: 1.888.EXPERIAN (397.3742); http://www.experian.com/; P.O. Box 9554, Allen, TX 75013
Indiana law requires the law enforcement agency where you live take an official report and provide you with a copy. When you file the report, provide as much documentation as possible, including copies of debt collection letters, credit reports and your notarized Identity Theft Affidavit. The police report and complaint number may be needed when contacting creditors. Consumer reporting companies should automatically block the fraudulent accounts and bad debts from appearing on your credit report if you provide a copy of the police report.
The Identity Theft Unit provides assistance to identity theft victims and investigative services to help with the prosecution of identity thieves. For additional assistance, you may contact the Identity Theft Unit at 1.800.382.5516 or IDTheft@agt.in.gov.
The FTC maintains a confidential, national identity theft database and may also be able to assist in pursuing identity thieves through federal channels, if applicable. You can file a complaint online at www.consumer.gov/idtheft, or by phone at 1.877.ID.THEFT.
Victims are also encouraged to review their rights provided by state and federal law. Understanding your rights can help you recover from an identity theft crime.
Review Your Consumer Rights
Once you receive your credit reports, review them carefully. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain. Ensure information, like your SSN, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed. See Correcting Fraudulent Information in Credit Reports on the Federal Trade Commissions’ (FTC) site to learn more.
When you correct your credit report, use an Identity Theft Report with a cover letter explaining your request, to get the fastest and most complete results (materials provided by the FTC).
Continue to check your credit reports periodically, especially for the first year after you discover the identity theft, to make sure no new fraudulent activity has occurred.
For a list of sample letters and forms you may use to exercise your rights as an identity theft victim, please click here.