Make sure that you ask for a copy of the report. Texas law provides that you are entitled to a copy of it, provided you request it.
Remember to keep the original police report in your files and make extra copies so that you can send them to creditors who request it. Also, remember that an identity theft victim who has a police report can request and lift a security freeze for free, so having this report will save you money. This helps stop a thief from opening new accounts in your name. The alert stays on for 90 days. Each of the credit bureaus will send you a letter confirming your fraud alert and giving instructions on how to get a copy of your credit report.
As a victim of identity theft, you will not be charged for these reports. Experian experian. Equifax alerts. TransUnion LLC transunion. Under California law, you can report identity theft to your local police department. Give the police as much information on the theft as possible. One way to do this is to provide copies of your credit reports showing the items related to identity theft.
Black out other items not related to identity theft. Give the police any new evidence you collect to add to your report. Be sure to get a copy of your police report. You will need to give copies to creditors and the credit bureaus. When you file your police report of identity theft, the officer may give you forms to use to request account information from credit grantors, utilities or cell phone service companies. When you write to creditors where the thief opened or applied for accounts, send copies of the forms, along with copies of the police report.
Give the information you receive from creditors to the officer investigating your case. Call creditors for any accounts that the thief opened or used. When you call, ask for the security or fraud department. Examples of creditors are credit card companies, other lenders, phone companies, other utility companies, and department stores.
Tell them you are an identity theft victim. Ask them not to hold you responsible for new accounts opened by the thief. Ask the creditors to give you copies of documentation on the fraudulent accounts see above item. When you receive your credit reports, read them carefully.
Promotional inquiries are not signs of fraud. By calling to report identity theft, your name will be automatically removed from the mailing list to receive unsolicited credit offers of this kind. Also, as a general precaution, look in the personal information section to verify your Social Security number, address and name. Tell them you want to block, or remove, any information on the report that is the result of identity theft. You must send a police report of identity theft to support this request.
Creditors may ask you to fill out fraud affidavits. Send copies of the completed form to creditors where the thief opened accounts in your name.
Also send copies to creditors where the thief made charges on your account, to the credit bureaus, and to the police. The form is available on the FTC Web site at ww. File a complaint of identity theft with the FTC.
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After thoroughly reviewing your credit report and documenting incorrect information:. More Identity Theft Resources. Connecticut State Department of Consumer Protection. What to Do if Identity Theft Happens to You If you learn that your identity has been stolen: First, report the crime to your local police immediately and ask them to issue a police report about the theft. Local law enforcement must accept the complaint, prepare a police report, give the victim a copy of the report, investigate the allegation and any other related violations and where necessary, coordinate investigations with other law enforcement agencies.
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