Identity Theft Information
Recommended actions if you've become a victim of phishing or other identity theft scam
If you have given out your credit or debit or ATM card information:
Report the incident to the card issuer as quickly as possible
Many companies have toll-free numbers and 24-hour service to deal with such emergencies
Cancel your account and open a new one
Review your billing statements carefully after the loss
If the statements show any unauthorized charges, it's best to send a letter to the card issuer via regular mail (keep a copy for yourself) describing each questionable charge
Credit Card Loss or Fraudulent Charges
Your maximum liability under federal law for unauthorized use of your credit card is $50 (many financial services companies have different policies so be sure to check with each of them).
If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your individual card company for their exact policy.
ATM or Debit Card Loss or Fraudulent Transfers
Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss.
You risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.
If you have given out your bank account information
Report the theft of this information to the bank as quickly as possible
Cancel your account and open a new one
If you have downloaded a virus or 'Trojan Horse'
Some phishing attacks use viruses and/or 'Trojan Horses' to install programs called "key loggers" on your computer.
These programs capture and send out any information that you type to the phisher, including credit card numbers, usernames and passwords, Social Security Numbers, etc.
If this happens, it's likely you may not be aware of it.
To minimize this risk, you should:
1 - Install and/or update anti-virus and personal firewall software
2 - Update all virus definitions and run a full scan
3 - If your system appears to have been compromised, fix it and then change your password again, since you may well have transmitted the new one to the hacker
4 - Check your other accounts! The fraudsters may have helped themselves to many different accounts: eBay account, PayPal, your email ISP, online bank accounts, online trading accounts, and other e-commerce accounts, and everything else for which you use online password
If you have given out your personal identification information
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
If you have given out this kind of information to a phisher, you should report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation, and do the following:
1 - Request that they place a fraud alert and a victim's statement in your file
2 - Request a FREE copy of your credit report to check whether any accounts were opened without your consent
3 - Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft
Identity Theft Info
Equifax - www.equifax.com
To order your report, call: 800-685-1111 or write: P.O. Box 740241, Atlanta, GA 30374-0241
To report fraud, call: 800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.
Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write: P.O. Box 2002, Allen TX 75013
To report fraud, call: 888-EXPERIAN (397-3742) and write: P.O. Box 9530, Allen TX 75013 TDD: 1-800-972-0322
Trans Union - www.transunion.com
To order your report, call: 800-888-4213 or write: P.O. Box 1000, Chester, PA 19022
To report fraud, call: 800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634 TDD: 1-877-553-7803
Notify your bank(s) and ask them to flag your account and contact you regarding any unusual activity:
If bank accounts were set up without your consent, close them
If your ATM card was stolen, get a new card, account number and PIN
Contact your local police department to file a criminal report
Contact the Social Security Administration's Fraud Hotline to report the unauthorized use of your personal identification information
Notify the Department of Motor Vehicles of your identity theft
Check to see whether an unauthorized license number has been issued in your name
Notify the passport office to watch out for anyone ordering a passport in your name. File a complaint with the Federal Trade Commission
Ask for a free copy of "ID Theft: When Bad Things Happen in Your Good Name," a guide that will help you guard against and recover from your theft
File a complaint with the Internet Fraud Complaint Center(IFCC) by visiting their website: http://www.ifccfbi.gov/index.asp
The Internet Fraud Complaint Center (IFCC) is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C), with a mission to address fraud committed over the Internet
For victims of Internet fraud, IFCC provides a convenient and easy-to-use reporting mechanism that alerts authorities of a suspected criminal or civil violation
Document the names and phone numbers of everyone you speak to regarding the incident. Follow-up your phone calls with letters. Keep copies of all correspondence
Identify Theft Resources
http://www.consumer.gov/idtheft/
http://www.identity-theft-help.us/
http://www.identitytheft.org/
http://www.usdoj.gov/criminal/fraud/idtheft.html
http://www.ifccfbi.gov/index.asp
http://www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm
