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How to Report Identity Theft

Contact the Federal Trade Commission to report identity theft. You should also place a freeze or fraud alert on your credit files.
Sept. 21, 2018
Credit Score, Personal Finance
How to Report Identity Theft and Begin Your Recovery
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Reporting identity theft to the Federal Trade Commission is your best way to alert authorities to fraud. It’s also important to put a fraud alert on your credit accounts.

Here’s how to report identity theft to authorities and other organizations so that you can start your recovery.

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Report identity theft to the FTC

Report identity theft to the Federal Trade Commission at IdentityTheft.gov or 877-438-4338. This preserves your rights, including your ability to get fraudulent accounts off your credit report.

At the site, you can also get a customized checklist to help you repair the damage. In most cases, reporting your identity theft to the FTC will mean you don’t need to file a report with the police.

If you believe your identity was stolen via mail theft, report it to the U.S. Postal Service.

Place a fraud alert with credit bureaus

If you suspect your personal information has been exposed, place an initial fraud alert on your credit files so that applications in your name get extra scrutiny.

This alert is available to anyone who suspects identity theft. Contact any bureau, and it will take care of notifying the others:

The alert entitles you to another round of free credit reports, beyond the ones you get every 12 months via AnnualCreditReport.com. These can help you discover fraudulent credit accounts.

Contact the companies involved

For fraudulent charges on an existing credit card, in most cases, you have zero liability as long as you report the problem promptly to the card issuer. The card will be canceled and you will get a new card with a different number. Remember to update autopay accounts, and consider grouping all recurring charges on a single card to simplify things if this should happen again.

If you need help removing bogus charges from accounts, use the credit bureau dispute process.

If new accounts were opened, call the customer service department to get help closing them. The FTC has a sample letter you can use if written notice is required. You may be asked to provide a copy of a police report.

In all cases, keep notes of the date and time you called, whom you talked to and what steps you were told to take.

Consider stronger protection

Watch for and dispute errors on your credit reports to make sure everything was taken care of. You can access free credit report information from TransUnion via NerdWallet.

Then, think about protecting yourself in the future. A credit freeze is considered the surest way to ensure your credit isn’t used without your consent. Credit freezes with the major credit bureaus are free.

If you don’t want to place freezes, you can get an extended fraud alert that lasts for seven years. Like the initial one, you need only contact one of the bureaus. But this time you’ll need to provide documentation, including an identity theft report:

  • Equifax: Mail this form to Equifax Information Services LLC, PO Box 105069, Atlanta, GA 30348-5069, or fax to 888-826-0597.
  • Experian: Send this form to Experian, P.O. Box 9554, Allen, TX 75013 or upload the needed documents.
  • TransUnion: Send this form and requested documentation to TransUnion, P.O. Box 2000, Chester, PA 19016.

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