Police Report Vs. Incident Report

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Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves and reduce their exposure to identity …

Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves and reduce their exposure to identity theft.
Stay Safe, Stay Secure
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.

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  • 1. Police Report Vs. Incident Report A Resource for Identity Theft Victims
  • 2. Advocate Tip • Requesting a police and investigation is a not always available to victims of identity theft. • Victims are often left to gather facts from credit reports, statements and documented phone calls. • This document will provide a guideline on steps to take. • A well detailed police/incident report will always help your case and be an important key to resolve your identity theft case. • Not every identity theft case is the same. Use what you need. Don’t feel you have place a fraud alert and freeze after getting a wrong call about a debt.
  • 3. Police Report • Basically a police report is a description of facts detailing a crime written up by the officer or representative of a police department who was deployed to the scene. • A well-drafted report is an important tool in solving a crime. • It's important to make sure your report is detailed, factual and specific to what happened. • Police reports also require an investigation follow up. Generally by a detective. However that is not a guarantee your case will be investigated.
  • 4. Incident Report • Similar to Police Reports, an Incident Report is a victims statement regarding a crime. • Often bank statements, letters and other supporting documents are included. • These reports are generally not investigated and are for insurance purposes or businesses requesting a police report.
  • 5. Online Police Report • Many states offer the option to file an incident report online. Make sure you make a copy and keep any confirmation numbers for your records. • These may or may not be reviewed by an officer or investigated. • Generally this option does not allow documents to be submitted. • Follow up with supporting documents with your police department.
  • 6. Key Points – – – – How much money was stolen? When did you find out about the crime? Do you have a suspect? Which part of your identity was used: • Name only? • Social Security Number? – Have you reviewed your credit report? – Are you being contacted by a bank or debt collector? – Are you being accused of: Opening a checking account Taking out a loan or line of credit Committing a crime
  • 7. The Fair Credit Reporting Act (FCRA) • The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA including this requirement, which is known as Section 609(e). • The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person’s identification. • Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft • http://www.business.ftc.gov/documents/bus66-businessesmust-provide-victims-and-law-enforcement-transactionrecords-relating-identity
  • 8. Common Types of Identity Theft • • • • • • • • Utility Fraud Tax Fraud Employment Fraud Driver’s License Identity Theft Synthetic Identity Theft Child Identity Theft Debt Tagging Data Breach • Criminal Fraud • Document - Benefit Fraud • Financial Fraud • Wire Fraud or HELOC • Check Fraud • Medical Identity Theft • Credit Card Fraud – New Account – Account Take Over
  • 9. Credit Reporting Agencies • All information that is considered part of the identity theft committed against you should be listed on your police/incident report. • It’s imperative to closely review your credit reports for inaccuracies: →Names not belonging to you →Addresses not belonging to you →Credit Accounts, including collection accounts
  • 10. Identity Theft Affidavit • The Federal Trade Commission is the agency to obtain your Identity Theft Affidavit. • This detailed report and your Police/Incident Report are the best tools to clear your good name. • Two ways to file your complaint – Online – Identity Theft Affidavit
  • 11. Identity Theft Report
  • 12. Credit Reporting Agencies National Reporting Agencies • • • • • Experian Equifax TransUnion Annual Credit Report IRS ! Remember ! If you are a victim of Identity Theft these reports are free! Specialty Reporting Agencies • • • • • • • • • ChexSystems Clarity Services TeleTrack C.L.U.E.® Report LexisNexis Personal Reports Innovis Medical Information Bureau Certegy TeleCheck
  • 13. Fraud Alerts • After you confirm fraudulent accounts or criminal charges have been filed against you. • Per The Fair and Accurate Credit Transactions Act you can order free credit reports and place fraud alerts to protect our credit files. • Financial institutions, Credit Bureaus and Collection Agencies may require a copy of your credit report. • Use caution and only provide one if required. • If mailing, send certified mail, receipt requested.
  • 14. Free Consumer Resources • Identity Theft Resource Center, Non-Profit Organization • Federal Trade Commission • OnGuardOnline • IRS • The Internet Crime Complaint Center (IC3) • Bureau of Consumer Protection Business Center • Consumer Protection
  • 15. Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves and reduce their exposure to identity theft. Stay Safe, Stay Secure * THE FAIR CREDIT REPORTING ACT (FCRA) * IDENTITY THEFT RESOURCE CENTER, NON-PROFIT ORGANIZATION * FEDERAL TRADE COMMISSION