Trans Union, P.O. Box 6790, Fullerton,
California 92634, (800) 680-7289
After making telephone contact with the
credit reporting agencies follow up with a
In letter form explain to each
credit reporting agency that someone has
stolen your identity to obtain credit or
for whatever reason, i.e. driver's
Give factual information including
copies of statements, other
documents and police reports that
support your contention.
Include in the letter that credit
should not be granted unless you or
your spouse is contacted for
Request a copy of your credit history
Contact the company(ies)
that has provided credit or other intangible or
tangible property to the person who stole your
In letter form explain you either did not
make the charges that are on your statement or
that you never requested credit, or you never
applied for the item(s) that were issued using
Give factual information including copies
of statements or other documents that
support your contention.
Include a copy of your police report.
Credit Card / Identity Fraud Resources
Credit Reporting Bureaus
P.O. Box 740250, Atlanta, GA 30374-0250
Report Fraud: Call (800) 525-6285 and write to address
Order Credit Report: (800) 685-1111
Experian (formerly TRW):
P.O. Box 1017, Allen, TX 75013
Report Fraud: Call (888) 397-3742 and write to address
Order Credit Report: (888) 397-3742
P.O. Box 6790, Fullerton, CA 92634
Report Fraud: (800) 680-7289 and write to address above
Order Credit Report: (800) 888-4213
U.S. Federal Trade
The FTS oversees the operation or credit
bureaus. You can find a copy of the Credit Reporting Act
on its website. The FTC also provides assistance for
identity theft victims. Its website provides a complaint
form that can be transmitted to the FTC via the
U.S. Social Security Administration
Report Fraud: (800) 269-0271
Direct Marketing Association (To remove your name
from mail & phone lists)
Mail Preference Service, P.O. Box 9008, Farmingdale, NY
Telephone Preference Service, P.O. Box 9014,
Farmingdale, NY 11735
Fraudulent Use of Your
National Processing Co.
You are entitled to a free credit report if you are a
victim of identity/credit card fraud, if you have been
denied credit, if you receive welfare benefits or if you
Department of Motor
Contact the state office of the Department of Motor Vwehicles to see if
another license was issued in your name. If so, request a new license number
and fill out the DMV's complaint form to begin the fraud investigation
Tips for Avoiding Identity Theft
your financial information.
Only disclose your credit card or bank account number when you’re paying for
something with it.
your Social Security number confidential.
Don’t give it to anyone unless you’re sure who it is and why they need it.
Ask your health insurer, the Department of Motor Vehicle Safety and others
who may use this as your ID number to give you a substitute number.
of imposters. Be especially suspicious
if you get a call or e-mail from someone claiming to be from a company you
do business with, asking for information they should already have on file.
(In its most common form, this ruse is known as “phishing.”) Contact
the company directly to confirm the validity of the message.
your mail safe. Collect it
promptly from your mailbox and ask the Post Office to hold it while you’re
away. Send bill payments from the Post Office or a public mailbox.
off credit marketing lists.
Mailings for pre-approved offers of credit are a gold mine for identity
thieves, who steal them and apply for credit. Get off these lists by
calling 888-567-8688 (your Social Security number will be required).
it up. Keep your personal
information locked up at home, at work, at school and elsewhere so that no
one else will have easy access to it. Don’t leave PIN numbers or passwords
in your wallet or on your desk; memorize them.
safe online. Don’t send
sensitive information such as credit card numbers by e-mail, since it’s not
secure. When you’re asked to provide financial or other sensitive
information on web sites, the letters at the beginning of the address bar
should change from “http” to “https” or “shttp,” indicating that your
information is being encrypted, or scrambled, to transmit it safely.
Check your credit reports regularly.
If you find accounts that don't belong to you or other incorrect
information, follow the instructions for disputing those items. The
Georgia Fair Business Practices Act [O.C.G.A. Section
10-1-393(b)(28)(C)] gives you the right to receive two free credit reports a
year from the national credit-reporting agencies. More information
about getting free credit reports is available from the Federal Trade
Commission (FTC) at
www.ftc.gov/credit or by calling 877-382-4357.