What to Do If Your Identity Is Stolen | Office of the Attorney General

Identity theft is a crime that can happen to anyone and involves your personal information being stolen through methods as simple as stealing your documents or as sophisticated as “phishing” or spyware. 

If your identity has been stolen, it is critical that you act quickly to minimize any damage. If you aren’t sure, read these warning signs.

Consider Taking the Following Actions

  • call or email the fraud department of the companies, banks or accredit unions where accounts have been compromised. Explain that person stole your identity and ask them to close or freeze the compromise score .
  • Contact any of the three credit report agencies and ask that a free fraud alert be placed on your credit report. besides ask for a detached credit report. You only need to contact one of the three agencies because the law requires the agency you call to contact the other two .

once you have a imposter alert on your credit report space, a occupation must verify your identity before it issues new credit in your diagnose. The alarm remains active agent for a year and can be renewed by you for up to seven years .

  • Change the passwords, pin numbers, and logarithm in information for all of your potentially affect accounts, including your e-mail accounts, and any accounts that use the lapp password, pin, or log in information .
  • Contact your patrol department, report the crime and obtain a police report .
  • Go to the web page of the Federal Trade Commission, report the ID larceny and create an identity larceny recovery plan : IdentityTheft.gov
  • Decide whether you want to place a security freeze on your credit report card .

A security freeze is different from a fraud alert. once your composition is freeze, the credit report agency can not release it without your anterior express approval ( with sealed narrow exceptions ). Under federal jurisprudence, a security freeze is spare, and obtaining one will not affect your credit score. To obtain a freeze, you must contact each of the credit rating report agencies and comply with their requirements. The agency must place the freeze within one commercial enterprise day, and if you request the freeze be lifted, they must do so within one hour. Learn more at their websites below :

Experian
Transunion
Equifax

  • Review your recognition composition to correct any errors and identify any fresh accounts that were opened in your mention, and then contact the business and close those accounts and inform the credit rating chest of drawers that you did not open those accounts .
  • Review your other credit card and depository financial institution statements and take action to remove or dispute unauthorized charges or debits .
  • Consider other steps you may need to take to address specific problems such as reporting a misused Social Security phone number or clearing your name of condemnable charges .
  • Consider obtaining a court regulate to assist you in clearing your mention.

Texas law provides victims of identity larceny the option of seeking a court order declaring that you are a victim of identity larceny. If you are granted this type of court order, you may submit it to individual businesses and to governmental entities to help correct any records that contain inaccurate or assumed information which resulted from the identity larceny .
ALWAYS: REMAIN VIGILANT
sadly, being a victim of identity larceny once does not mean it can not happen again. Take steps to prevent ID larceny and remain alert !

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