If You Don’t Identity Theft Now, You’ll Hate Yourself Later

Ask the credit grantors in writing to furnish you and your investigating law enforcement agency with copies of the documentation, such as the fraudulent application and transaction records. The law also allows the victim to authorize a law enforcement investigator to get access to these records. Tell the collector that you are a victim of fis global fraud solutions and are not responsible for the account. Ask that they confirm in writing that you do not owe the debt and that the account has been closed. If debt collectors try to get you to pay the unpaid bills on fraudulent accounts, ask for the name of the collection company, the name of the person contacting you, phone number, and address. Ask for the name and contact information for the referring credit issuer, the amount of the debt, account number, and dates of the charges. Otunyo also procured the real name and Social Security number of an identity theft victim for use in one of the schemes.

In most cases, you can use your Identity Theft Report in place of a police report to clear your account and credit records of transactions that resulted from the identity theft. First, contact your local law enforcement agency and make a police report. Both federal and California law give you the right to obtain these documents. The Federal Trade Commission’s Identity Fraud website. FTC regulations define an “identity theft report” to include a report made to a local, state, or federal law enforcement agency. A victim of identity theft must provide a copy of the FTC affidavit or another affidavit acceptable to the company, plus government-issued identification, and a copy of an “identity theft report” (police report) in order to obtain the documents created by the imposter. If your credit report shows that the imposter has opened new accounts in your name, contact those creditors immediately by telephone and in writing. If you have had checks stolen or bank accounts set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that compiles reports on checking accounts. If your existing credit accounts have been used fraudulently, phone the credit card company at the number displayed on the back of the card.

When you have resolved the fraudulent account with the creditor, ask for a letter stating that the company has closed the disputed account and has discharged the debts. You may want to send an identity theft validation letter to every creditor that is on your credit report or that contacts you and to which you do not owe the debt. The links or files may also be viruses that will enable the hackers to corrupt their gadgets. Based on the information you enter, the FTC complaint system will create your Identity Theft Report. If your local police department refuses to file a report and your situation involves fraudulent use of the U.S. U.S. Postal Inspector. If your case involves fraudulent use of a driver’s license in your name, you might be able to obtain a report from your state’s Department of Motor Vehicles. Ask if they need you to complete their fraud affidavit form or whether you can use the FTC fraud affidavit. Print and save your FTC Identity Theft Report. You can also report the crime to your local police or sheriff’s department. You might also want to report it to police department(s) where the crime occurred if it’s somewhere other than where you live.

Before you contact your bank or the credit reporting companies, you’ll need to report the crime to your local law enforcement agency and file an identity theft report. Get a copy of the report. A properly get rid of your junk mail. These can happen the old-fashioned ways when crooks (including family members!) steal mail from your mailbox, rummage through your trash for bills and bank statements, steal wallets and purses, or make an extra copy of your credit card – perhaps when your waiter or clerk walks off to process your payment. Services like PayPal and Google checkout are the third party payment system which also reduces the hassles of entering the account information repeatedly. Although the FTC does not itself investigate identity theft cases, they share such information with investigators nationwide who are fighting identity theft. The FTC provides a uniform affidavit form that most creditors accept. Bring your FTC Identity Theft Report with you. You may need it if the account reappears on your credit report.

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