From: Clark.com
Money expert Clark Howard says there’s one thing you should do first:
“A credit freeze is the best way to protect yourself from identity thieves,” Clark says.
He says it’s crucial to freeze your credit with the three major credit bureaus: Experian, Equifax and TransUnion. And it doesn’t cost anything to get your credit frozen.
Once your credit is frozen, no one can open a new financial account in your name. You have to contact each credit bureau and confirm your identity to “thaw” or unfreeze your credit before you open any new accounts.
How To Report Identity Theft
If your ID does get stolen, you can report it to several different entities.
You’ll typically need to inform the Social Security Administration, the credit bureaus, your local police department, your bank and all your creditors.
Some companies and agencies have pages on their websites where you can make a report. Other times, you’ll need to call.
In each case, you may be asked to describe the incident to the best of your knowledge. Remember to stay calm and try to give full descriptions of erroneous charges to your account(s).
Here are details on how to make some of those contacts.
Contact the Social Security Administration
If your Social Security number has been stolen, contact the Social Security Administration Fraud Hotline at 800-269-0271.
Contact the Credit Bureaus
You can ask the three major U.S. credit bureaus to put a fraud alert on your account.
Here are links and phone numbers to contact them:
• Equifax: 800-525-6285
• Experian: 888-397-3742
• TransUnion: 800-680-7289
Clark says you should also ask to add what’s called a “victim’s statement” to your account, which should say the following:
”My identification has been used to fraudulently apply for credit. Call me at this number to verify all applications.”
Find out from the credit bureaus how long they will keep the fraud alerts active and how to extend them if you need to.
https://clark.com/protect-your-identity/identity-theft/