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Online Banking Identity Theft Information

What is Identity Theft?

Identity theft occurs when someone abuses your personal information whether it is your social security number, credit card information, or any other form of personal information to commit fraud.

 

Identify Theft is a Serious Crime

If your identity is taken, it can be costly to you and can take months or even years to clean up your credit. In the meantime, if ID theft goes unnoticed, you could be refused loans, credit cards or even lose job opportunities. It is extremely important to be proactive and keep track of what is on your credit report.

 

If you believe you are a victim to Identity Theft then here are several steps to take initially:

  1. Immediately call or write to the fraud departments of the three credit reporting agencies:

    Equifax
    P.O. Box 105069
    Atlanta GA 30348
    To Report Fraud: (800)525-6285
    To Order a Credit Report: (800) 685-1111
    Website: www.equifax.com

    Experian
    P.O. Box 9532
    Allen TX 75013
    To Report Fraud: (888)397-3742
    To Order a Credit Report: (888)397-3742
    Website: www.experian.com

    TransUnion
    P.O. Box 1426
    Buffalo NY 14231
    To Report Fraud: (800) 680-7289
    To Order a Credit Report: (800)632-1765
    Website: www.transunion.com

  2. Close accounts that you know (or think) have been abused or opened fraudulently. This includes credit cards, loan accounts, checking, savings, etc.
  3. Call the police and file a police report
  4. File a complaint with the Federal Trade Commission