#experian, #credit #fraud, #identity #theft, #fraud #alert
How can I protect myself?
If you believe you are a victim of fraud, you may find the following suggestions helpful:
Protect Yourself – First, make sure a security alert or victim statement is on file with all national credit bureaus. Our full service identity theft protection includes access to your Experian credit report, 3 bureau credit monitoring with email alerts, and immediate access to our fraud resolution professionals.
Inform the Creditor – Contact each creditor with the fraud account and inform them that the account is fraudulent.
Document all Contacts – Make notes of everyone you spoke with; ask for names, department names, phone extensions; record the date you spoke to them.
Understand the Process – Each creditor may have a different process for handling a fraud claim. Make sure you understand exactly what is expected from you, and then ask what you can expect from the creditor. At the conclusion of an investigation, ask the creditor for a document that states you are not responsible for the debt.
Follow Up – Make sure everything a creditor/credit bureau has requested is received. It is always a good idea to place a follow up call or send a letter for confirmation.
Review Reports Regularly – Obtain another report several months AFTER you believe everything is cleared up. If a new fraudulent account is discovered, you know how to handle it. If your credit report is back to normal, you can feel confident that all issues were resolved as you expected. It would be a good idea to check your credit report again in six months and a year later.
Don’t Throw Away Files – Keep all notes and correspondence in an accessible file in case they are needed in the future.
How does Experian protect me?
We strive to protect your credit information with the following practices:
- We drop several digits from each of your credit account numbers on your personal credit report.
- We do not display on your personal credit report the Social Security number that you provided to us when you requested your report.
- We build sophisticated fraud products to assure the integrity of our credit database and to protect consumers and creditors.
- We continually monitor access to our database with sophisticated software, so that if unusual activity occurs, our security and fraud control department investigates immediately.
- We work with law enforcement authorities to catch fraud criminals.
- We require a business to designate a permissible purpose under federal law before they can access consumer credit information. We follow extensive procedures to assure that we accept only reputable businesses as our customers.
- We build extensive barriers to prevent computer hackers from accessing consumer credit data.
Summary of rights of identity theft victims
Identity Theft Rights
Para información en español, visite www.ftc.gov/idtheft/ o escribe a la FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C. 20580.
Remedying the Effects of Identity Theft
You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.ftc.gov/idtheft/ or write to: FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C. 20580.
The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.
- You have the right to ask that nationwide consumer reporting agencies place “fraud alerts” in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
- Experian: www.experian.com to add an alert and view your report immediately; 1 888 397 3742
- Equifax: 1 800 525 6285, www.equifax.com
- TransUnion: 1 800 680 7289, www.transunion.com
An initial alert (Initial Security Alert) stays in your file for at least 90 days. An extended alert (Extended Fraud Victim Alert) stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report. visit www.ftc.gov/idtheft/.
- You have the right to free copies of the information in your file (your “file disclosure”). An initial alert (Initial Security Alert) entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert (Extended Fraud Victim Alert) entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See www.ftc.gov/credit .
- You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.ftc.gov/idtheft/ .
- You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief – like the name of the creditor and the amount of the debt.
- If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.
- You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report .
To learn more about identity theft and how to deal with its consequences, visit www.ftc.gov/idtheft/. or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general.
In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit .