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Identity Theft Resources Missouri State Attorney General’s office • www.ago.mo.gov Identity Theft Complaint Form • www.ago.mo.gov/forms/ idtheftcomplaintform.pdf Department of Revenue: Motor Vehicle • www.dor.mo.gov/mvdl/motorv/ Federal Trade Commission • www.ftc.gov/idtheft Identity Theft Complaint • www.ftccomplaintassistant.gov FTC Identity Theft Hotline • Toll-free: 1-877-ID-THEFT (438-4338) • TTY: 1-866-653-4261 • Identity Theft Clearinghouse Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580. U.S. Government • www.usa.gov • www.identitytheft.gov United States Postal Service • www.postalinspectors.uspis.gov • Report Identity Theft via the U.S. Mail https://postalinspectors.uspis.gov/ forms/IDTheft.aspx Direct Marketing Association • www.dmachoice.org Social Security Administration • www.ssa.gov • Toll-free: 1-800-772-1213 • TTY: 1-800-325-0778 Identity Theft and Your Social Security Number Publication • www.ssa.gov/pubs/10064.html Department of State’s Passport Services Office • www.travel.state.gov/passport/ passport_1738.html Federal Citizen Information Center • www.info.gov Emergency Number 1-800-525-5555 or cellular *55 Road Conditions 1-888-275-6636 Internet Crime Complaint Center • www.ic3.gov Identity Theft Credit Reporting Bureaus Remember that only one place offers a free credit report: AnnualCreditReport. com or call 1-977-322-8228. Their services are offered by the three credit bureaus: Trans Union, Experian and Equifax. To report identity theft, contact the following: Trans Union • www.transunion.com • 1-800-680-7289 • Fraud Victim Assistance Division P.O. Box 6790 Fullterton, CA 92834-6790 Experian • www.experian.com • 1-800-EXPERIAN (397-3742) • P.O. Box 9532 Allen, TX 75013 Equifax • www.equifax.com • 1-800-525-6285 • P.O. Box 740241 Atlanta, GA 30374-0241 Printed By: Missouri State Highway Patrol 1510 East Elm Street Jefferson City, MO 65101 (573) 751-3313 V/TDD: (573) 751-3313 An Internationally Accredited Agency SHP-188 D 4/2014 What To Do If It Happens To You What Is Identity Theft? • Identity theft is someone using your personal identification, such as your name, Social Security number, bank account numbers, credit, etc. This can include opening bank accounts in your name, receiving health care in your name, charging items to an account, or using your credit to obtain goods and services without payment. How To Detect Identity Theft • Check bank and credit card statements on a regular basis - at least monthly. Watch for unauthorized withdrawals, charges, and debits. • Check your free credit report. Watch for fraudulent entries. How To Check Your Credit Report • Only one place offers a free credit report: AnnualCreditReport.com or 1-977-322-8228 • AnnualCreditReport.com is offered by three credit bureaus: Trans Union, Experian and Equifax. You will be able to choose which company’s report you would like to see. The law allows for one free report per year from each company. • Keep an eye out for “free credit report” offers that may require purchase of another service or product. What To Do If Your Identity Is Stolen 1 Keep a Log While Dealing With the Authorities and Financial Institutions. Record all conversations, correspondence, and actions taken. Include dates, times, names, and phone numbers. Note the time spent and any expenses incurred. Confirm conversations in writing. Send correspondence by certified mail (return receipt requested). Keep copies of all documents and correspondence. 2 File an Identity Theft Complaint Form with the Missouri State Attorney General’s Office. This form is available online at www.ago.mo.gov/forms/ idtheftcomplaintform.pdf. You can submit this form online, but make sure to make a copy for your log before closing it. 3 File an Identity Theft Complaint with the Federal Trade Commission online at www. ftccomplaintassistant.gov/; call the FTC’s Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261 or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. 4 Contact Your Banks and Credit Card Companies. Report the theft, and ask for the names and phone numbers of the credit grantors with whom fraudulent accounts have been opened. Ask the credit bureaus to remove the inquiries that have been generated due to the fraudulent access. Also, you may ask the credit bureaus to notify those who have received your credit report in the last six months in order to alert them to the disputed and erroneous information (two years for employers). Ask to have all checks and ATM/debit cards canceled, and obtain new account numbers. Give the bank a secret password (one that can not be easily guessed) for your account. 5 Contact Creditors with whom your name has been used fraudulently by phone and in writing. Get replacement cards with new account numbers for your own accounts that have been used fraudulently. Ask that old accounts be processed as “account closed at consumer’s request”. (This is better than “card lost or stolen” when this statement is reported to credit bureaus which can be interpreted as blaming you for the loss). Carefully monitor your mail and credit card bills for evidence of new fraudulent activity. Report it immediately to credit grantors. The credit reporting companies can also place fraud alerts on your credit report, and “freeze” your credit. For more information, refer to the list of resources in this brochure. 6 Contact Law Enforcement. Report the crime to the law enforcement agency with jurisdiction in your case. Give them as much documented evidence as possible, including a printed copy of the FCT Identity Theft Complaint (#3). Also give an Identity Theft Incident Report (#2) to law enforcement. Get a copy of your police report for your log. Keep the police report numbers handy, and give it to creditors and others who require verification of your case. Credit card companies and banks may require you to show the report to verify the crime. 7 Contact Your Local Post Office’s Postmaster if you suspect an identity thief has filed a change of address with the post office or has used the mail to commit credit or bank fraud. Find out where the fraudulent credit cards were sent. Give the post office an address to which they can forward all mail in your name to. You may need to talk to the mail carrier. You also may contact the Direct Marketing Association to remove your name from promotional lists. 8 Contact the Social Security Administration to report fraudulent use of your social security number. As a last resort, you might want to change the number. The SSA will only change it if you fit their fraud victim criteria. Also, order a copy of your Earnings and Benefits Statement and check it for accuracy. 9 Contact the Department of State’s Passport Services Office, even if you do not have a passport you need to alert this agency in writing to be on the lookout for anyone ordering a new passport fraudulently. 10 Contact the Department of Motor Vehicle’s Driver’s License Fraud Unit to see if another license was issued in your name. Ask to put a fraud alert on your license. Go to your local Department of Revenue office to request a new driver’s license number. Also, fill out the DOR complaint form to begin the fraud investigation process. Send supporting documents with the complaint form to the nearest DOR office. 11 Contact Your Health Insurance Company. Some identity thieves use personal information to obtain healthcare benefits in your name.