got my identity stolen

[smokin5s]

So I just found out that my identity was stolen and now I have collections companies calling me looking for payments that are not mine. Does anyone know where the first place to start is to get this corrected? I tried calling my bank and they were of little help.

[Not Brian]

God that would suck.

[TTQ B4U]

Go buy a bunch more shit and blame it on them too. :gabe:

 

That would suck. Wish I knew where to begin. Keep up posted on your findings as this unfolds.

[87GT]

So I just found out that my identity was stolen and now I have collections companies calling me looking for payments that are not mine. Does anyone know where the first place to start is to get this corrected? I tried calling my bank and they were of little help.

 

You should hire a lawyer.

[BigOxley]

start with the big 3 credit reporting companies: experian, equifax, transunion. advise them of the fraud. get a freeze on your credit.

[Sully]

So I just found out that my identity was stolen and now I have collections companies calling me looking for payments that are not mine. Does anyone know where the first place to start is to get this corrected? I tried calling my bank and they were of little help.

 

This has happened to me a couple times. Did they steal a card number and just use that card? Did they open a new card using your info and then buy stuff?

[wnaplay1647545503]

Start by figuring out what type of credit they are using. If they have credit card numbers, cancel them. If they have opened accounts, contact the companies and have them closed. Fill out a police report as you will need one to send around.

[OSUGT]

File a police report...have it documented, and then you can start to piece things back together. Best of luck

[Radio Flyer1647545514]

I had my card number stolen a few weeks ago somehow. I just called the card company and they took care of the rest.

[KennyFKINPowerz]

I feel for ya man. That would suck.

[dragknee66]

Many police reports... many calls to those banks.. many calls to the credit places

PS. Freeze your credit when you dont need access to it

[Rocky31186]

Happend to my buddy.. Someone in califonia opened a cable account in his name.. Had cable for over a year without paying.

 

He went to close on his house and they put a hold on everything and told him he had to pay 1000's of dollars.. I know he first filed a police report.

 

He said it took him about a month to get everything fixed. He had the address to CA where the cable was going.. WE thought about paying a visit.

[Major_golf]

My checking account got hacked today or I wrote a lot of $30 dollar checks yesterday. On the way to the bank now

[unfunnyryan]

Shit, just a few days ago someone got my debit card number and tried to get $1200 of jewelry. Coincidence this is happening to a lot of people?

[Big Chief2011647545501]

How the hell is our information so easily accessible.

 

Heres a link to the FTC's what to do if your identity is stolen..

http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt07.shtm

 

Keep records and record your conversations!

 

1. Place a fraud alert on your credit reports, and review your reports.

 

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three nationwide consumer reporting companies to place a fraud alert on your credit report. You need to contact only one of the three companies to place an alert. The company you call is required to contact the other two, which will then place an alert on their versions of your report.

 

TransUnion: 1-800-680-7289; http://www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

Equifax: 1-800-525-6285; http://www.equifax.com; P.O. Box 740241, Atlanta, GA 30374- 0241

Experian: 1-888-EXPERIAN (397-3742); http://www.experian.com; P.O. Box 9554, Allen, TX 75013

 

Once you place the fraud alert on your file, you’re entitled to order free copies of your credit reports; if you ask, only the last four digits of your SSN will appear on your credit reports. Once you get your credit reports, review them carefully. Look for inquiries from companies you haven’t contacted; accounts you didn’t open; and debts on your accounts that you can’t explain. Check that information like your SSN, address(es), and name or initials are correct. If you find fraudulent or inaccurate information, get it removed. See the FTC’s comprehensive identity theft recovery guide, Take Charge: Fighting Back Against Identity Theft, at http://www.ftc.gov/idtheft to learn how. Continue to check your credit reports periodically, especially for the first year after you discover the identity theft, to make sure no new fraudulent activity has occurred.

Fraud Alerts

 

There are two types of fraud alerts: an initial alert and an extended alert.

 

n An initial alert stays on your credit report for at least 90 days. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft.

 

An initial alert is appropriate if your wallet has been stolen or if you’ve been taken in by a “phishing” scam. Phishing occurs when scam artists steal personal information from you by sending email that claims to be from a legitimate company and says you have a problem with your account. When you place an initial fraud alert on your credit report, you’re entitled to one free credit report from each of the three nationwide consumer reporting companies.

An extended alert stays on your credit report for seven years. You can have an extended alert placed on your credit report if you’ve been a victim of identity theft and you provide the consumer reporting company with an “identity theft report.” When you place an extended alert on your credit report, you’re entitled to two free credit reports within twelve months, after placing the alert, from each of the three nationwide consumer reporting companies. In addition, the consumer reporting companies will remove your name from marketing lists for prescreened credit offers for five years unless you ask them to put your name back on the list before then.

 

To place either of these alerts on your credit report, or to have them removed, you will be required to provide appropriate proof of your identity, which may include your SSN, name, address, and other personal information the consumer reporting company requests.

 

When a business sees the alert on your credit report, they must verify your identity before issuing you credit. As part of this verification process, the business may try to contact you directly. This may cause some delays if you’re trying to obtain credit. To compensate for possible delays, you may wish to include a cell phone number, where you can be reached easily, in your alert. Remember to keep all contact information in your alert current.

The Identity Theft Report

 

An identity theft report may have two parts:

 

Part One is a copy of a report filed with a local, state, or federal law enforcement agency like your local police department, your State Attorney General, the FBI, the U.S. Secret Service, the FTC, or the U.S. Postal Inspection Service. When you file a report, provide as much information as you can about the crime, including anything you know about the dates of the identity theft, the fraudulent accounts opened, and the alleged identity thief.

 

Part Two of an identity theft report depends on the policies of the consumer reporting company and the information provider (the business that sent the information to the consumer reporting company). They may ask you to provide information or documentation to verify your identity theft in addition to that included in the law enforcement report. They must make their request within 15 days of receiving your law enforcement report, or, if you already have an extended fraud alert on your credit report, the date you submit your request to the credit reporting company for information blocking. The consumer reporting company and the information provider then have 15 more days to work with you to make sure your identity theft report contains everything they need. They are entitled to take five days to review any information you give them. For example, if you give them information 11 days after they request it, they do not have to make a final decision until 16 days after they asked you for that information. If you give them any information after the 15-day deadline, they can reject your identity theft report as incomplete, and you will have to resubmit it with the correct information.

 

Most federal and state agencies and some local police departments offer only “automated” reports – a report that does not require a face-to-face meeting with a law enforcement officer. Automated reports may be submitted online, or by telephone or mail. If you have a choice, do not use an automated report. The reason? It’s more difficult for the consumer reporting company or information provider to verify the information. Unless you are asking a consumer reporting company to place an extended fraud alert on your credit report, you probably will have to provide additional information or documentation if you use an automated report.

2. Close the accounts that you know, or believe, have been tampered with or opened fraudulently.

 

Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. It’s important to notify credit card companies and banks in writing. Send your letters by certified mail, and request a return receipt so you can document what the company received and when. Keep a file of your correspondence and enclosures.

 

When you open new accounts, use new Personal Identification Numbers (PINs) and passwords. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers.

 

If the identity thief has made charges or debits to your accounts, or to fraudulently opened accounts, ask the company for the forms to dispute those transactions. Also request the transaction records relating to the identity theft, such as the fraudulent credit application.

 

Once you have resolved your identity theft dispute with the company, ask for a letter stating that the company has closed the disputed accounts and has discharged the fraudulent debts. This letter can help you if errors relating to this account reappear on your credit report or you are contacted again about the fraudulent debt.

3. File a report with your local police or the police in the community where the identity theft took place.

 

Then, get a copy of the police report or at the very least, the number of the report. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a “Miscellaneous Incidents” report, or try another jurisdiction, like your state police. You also can check with your state Attorney General’s office to find out if state law requires the police to take reports for identity theft. Check the Blue Pages of your telephone directory for the phone number or check http://www.naag.org for a list of state Attorneys General.

4. File a complaint with the Federal Trade Commission.

 

By sharing your identity theft complaint with the FTC, you will provide important information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims’ complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces.

 

You can file a complaint online at http://www.ftc.gov/idtheft, by phone at 1-877-IDTHEFT (438-4338); TTY: 1-866-653- 4261, or by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Be sure to call the Hotline to update your complaint if you have any additional information or problems.

Next, Take Control

 

Although identity thieves can wreak havoc on your personal finances, there are some things you can do to take control of the situation. Here’s how to handle some of the most common forms of identity theft.

 

If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers, and tax information or falsified change-of-address forms, (s)he has committed a crime. Report it to your local postal inspector.

 

If you discover that an identity thief has changed the billing address on an existing credit card account, close the account. When you open a new account, ask that a password be used before any inquiries or changes can be made on the account. Avoid using easily available information like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number, or a series of consecutive numbers. Avoid the same information and numbers when you create a Personal Identification Number (PIN).

 

If you have reason to believe that an identity thief has accessed your bank accounts, checking account, or used your ATM card, close the accounts immediately. When you open new accounts, insist on password-only access. If your checks have been stolen or misused, stop payment. If your ATM card has been lost, stolen, or otherwise compromised, cancel the card and get another with a new PIN.

 

If an identity thief has established new phone or wireless service in your name and is making unauthorized calls that appear to come from – and are billed to – your cellular phone, or is using your calling card and PIN, contact your service provider immediately to cancel the account and calling card. Get new accounts and new PINs.

 

If it appears that someone is using your SSN when applying for a job, get in touch with the Social Security Administration to verify the accuracy of your reported earnings and that your name is reported correctly. Call 1-800-772-1213 to check your Social Security Statement.

 

If you suspect that your name or SSN is being used by an identity thief to get a driver’s license, report it to your Department of Motor Vehicles. Also, if your state uses your SSN as your driver’s license number, ask to substitute another number.

Staying Alert

 

Once resolved, most cases of identity theft stay resolved. But occasionally, some victims have recurring problems. To stay on top of the situation, continue to monitor your credit reports and read your financial account statements promptly and carefully. You may want to review your credit reports once every three months in the first year of the theft, and once a year thereafter. Stay alert for other signs of identity theft, like:

 

failing to receive bills or other mail. Follow up with creditors if your bills don’t arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.

receiving credit cards that you didn’t apply for.

being denied credit, or being offered less favorable credit terms, like a high interest rate, for no apparent reason.

getting calls or letters from debt collectors or businesses about merchandise or services you didn’t buy.

 

Get Your Credit Report

 

Order a copy of your credit report from the three nationwide consumer reporting companies every year to check on their accuracy and whether they include only those debts and loans you’ve incurred. This could be very important if you’re considering a major purchase, such as a house or a car.

 

An amendment to the federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit reports, at your request, once every 12 months.

 

To order your free annual report from one or all of the nationwide consumer reporting companies, visit http://www.annualcreditreport.com, call toll-free 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is at the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They provide free annual credit reports only through http://www.annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

 

For more information, see Your Access to Free Credit Reports at ftc.gov/credit. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Chart Your Course of Action

 

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

[smokin5s]

The tip off I got was hospital debt... how someone knew my ssn, full name and dob and the hospital just said ok is beyond me

[Major_golf]

All my $30 transactions were done electronically so I won't be Able to see were they came from until tomarrow

[Jackson1647545504]

All my $30 transactions were done electronically so I won't be Able to see were they came from until tomarrow

 

false alarm, just my brazzers.com memberships

 

 

 

 

 

 

 

 

 

 

 

 

:lolguy:

[Mojoe]

Get your credit report. Call the accounts that you didn't open and cancel. Get all info on the spending, when it was opened, how it was opened- online on paper? Try and get a copy of the application and hope for signatures to recognize. Look for the most recent chargein a store. Contact the store and ask if they have cc cameras. It they do and it's local, PD can go look at the vid for an ID. This is how I caught the person who tool my cc.

You need to get it in writing to all three credit agencies that your ID was stollen. Imclud the police report and you can request to be notified when ever your credit is run, then you can approve that you are the one using it.

 

Get familiar with title 7 of the fair Dept collection act. Your going to have more collectors calling you and you need to know what to tell them and how to say it. Also what they are and are not allowed to do. More collectors violate your rights because they don't know the law themselves and don't think you will know any better.

 

Sucks miserably. GL.

[El Karacho1647545492]

The tip off I got was hospital debt... how someone knew my ssn, full name and dob and the hospital just said ok is beyond me

 

have you been to a hospital recently? if it's hospital debt, that probably means it was an ER trip by the thief. but then again, i'm using logic and not any firm facts to reach that conclusion.

[smokin5s]

I have not, but my wife has... I'm guessing ER also since an ambulance ride was part of that debt.

[El Karacho1647545492]

I have not, but my wife has... I'm guessing ER also since an ambulance ride was part of that debt.

 

Sounds like somebody shady in the ER is handing out info...

[gaewsky1]

Sorry to hear about this.

 

But, thanks for posting. I have been meaning to freeze my credit and the wife's but have been putting it off. Just froze all of them. Feels like to best $30 worth of "insurance" I have spent in a long time.

 

Hope you get it all worked out.