If Your Identity Is Stolen - Iowa College Access Network - ICAN

If Your Identity Is Stolen

  • File a complaint with the Federal Trade Commission (FTC).
  • Use the online complaint form.
  • Call the FTC's Identity Theft Hotline:
    Toll free: (877) 438-4338
    TTY: (866) 653-4261
  • Write Identity Theft Clearinghouse:
    Federal Trade Commission
    600 Pennsylvania Avenue, NW
    Washington, DC 20580.
  • Place a fraud alert on your credit reports, and review your credit reports.

    Fraud alerts can help prevent an identity thief from opening more accounts in your name. Contact any of the three consumer reporting agencies below to place a fraud alert on your credit report. You only need to contact one of the three agencies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report too. If you do not receive a confirmation from an agency, you should contact that agency directly to place a fraud alert.

    Equifax Experian TransUnion
    P.O. Box 740241
    Atlanta, GA 30374-0241
    (800) 525-6285
    www.equifax.com
    P.O. Box 9532
    Allen, TX 75013-0949
    (888) 397-3742
    www.experian.com

    Fraud Victim Assistance Division
    P.O. Box 6790
    Fullerton, CA 92834-6790
    (800) 680-7289
    www.transunion.com

     

    Innovis does not share fraud alert information with any other credit reporting agency. To place a fraud alert on your credit report with Innovis, please use the following information:
  • Innovis

    Attn: Consumer Assistance
    P.O. Box 26
    Pittsburgh, PA 15230-0026

    (800) 540-2505
    https://www.innovis.com/InnovisWeb/pers_placeFraudActiveDutyAlert.html

         

Reviewing Your Credit Reports

Once you place the fraud alert on your file, you're entitled to order one free copy of your credit report from Equifax, Experian and TransUnion, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports. (Innovis may charge a fee to issue a copy of your credit report.) 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 Social Security number, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, contact the credit reporting agencies for information on how to get it removed.

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.

The FTC has more detailed information on its website.

  • File a report with your local police or the police in the community where the identity theft took place.
  • Close the accounts that you know or believe have been tampered with or opened fraudulently.

 

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