If you think you’ve been a victim of identity theft, take immediate action and follow these five steps.
1. Report the fraudulent activity. If the activity is related to New Resource, please contact us directly. If it is related to another financial institution, your credit card company, or any other organization contact them directly.
2. Contact a consumer reporting agency. Having a fraud alert placed on your credit report will help stop criminals from opening any additional accounts in your name. Contact only one of the following agencies; they are each required to contact the other two:
- Equifax: 800.525.6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
- Experian: 888.397.3742; www.experian.com; P.O. Box 9532, Allen, TX 75013
- TransUnion: 800.680.7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
3. Close any accounts think may have been tampered with. Report the transgression to a security spokesperson at the relevant company. Ask them about any additional steps—they’ll probably ask you to send relevant copies of the fraudulent activity. You can use the FTC ID Theft Affidavit as formal certification of your dispute; see the FTC’s Identity Theft Report instructions for details.
4. File your complaint with the FTC. Use the online complaint form or call the FTC’s toll-free Identity Theft Hotline, 877.438.4338; TTY, 866.653.4261; or write to the Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Sharing your identity theft complaint with the FTC will help law enforcement officials track down identity thieves and stop them.
5. File a police report. Call or visit the local police or police in the community where the identity theft took place and file a report. Have a copy of your FTC ID Theft Affidavit available to give them. Obtain a copy of the police report and the police report number.
Go to the FTC’s Identity Theft site for more tips.