Lesson 4 What to do if your Identity Is Stolen


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Lesson 4 What to do if your Identity Is Stolen

  1. 1. Information Security<br />Lesson 4<br />What to do if your identity <br />Is stolen<br />
  2. 2. Close compromised accounts<br />Call the security or fraud department<br />Of each company – close the account<br />Follow up the request in writing – <br />send supporting documents<br />Send all correspondence to your companies<br />by certified mail with return receipt<br />
  3. 3. Set Fraud Alerts<br />What is a fraud alert?<br />Helps prevent an identity thief<br /> from opening any more accounts in your name<br />Two types:<br />Initial – 90 days<br />Fraudulent accounts, credit card theft<br />Extended – 7 years<br />Child id theft, criminal activity<br />
  4. 4. Set Fraud Alerts<br />Consumer reporting companies<br />1-800-680-7289<br />www.transunion.com<br />1-888-experian (397-3742)<br />www.experian.com<br />1-800-525-6285<br />www.equifax.com<br />
  5. 5. Freeze your credit<br />Fraud and freeze: <br />what’s the difference? <br />Fraud alert:<br /><ul><li> helps prevent thieves from opening</li></ul> new accounts<br /><ul><li>Prevents thieves from using </li></ul> existing accounts<br />
  6. 6. Freeze your credit<br />Freeze alert:<br /><ul><li> Prevents creditors and other third parties </li></ul> From accessing your credit report at all<br /><ul><li> Only companies who you already have an</li></ul> Existing relationship with may access your <br /> Credit report<br />
  7. 7. Contact the authorities<br />local<br />authorities<br />Federal bureau <br />Of investigation<br />www.fbi.gov<br />Federal trade<br />Commission<br />www.ftc.gov<br />
  8. 8. File a complaint with FTC<br />Step 1: go to the official fTC Identity theft website<br />http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/filing-a-report.html<br />Step 2: click on the link to file a complaint<br />
  9. 9. File a complaint with FTC<br />Step 3: fill out the complaint form <br />(follow the prompts)<br />
  10. 10. File an Identity theft<br />report with the Police<br />1. Call the police department and let them know <br /> you identity has been stolen (follow their instructions)<br />2. If possible attach a copy of your fTC ID theft complaint<br />3. When finished Ask for a copy of the police report<br />4. Keep all records in a safe and memorable place<br />
  11. 11. File a report with the FBI<br />Go to the fbi website and find a <br />local field office<br />http://www.fbi.gov/contact-us/field<br />
  12. 12. More specifics<br />Credit card/debit card theft<br /><ul><li>if violation reported within 2 business days: </li></ul> Losses limited to $50<br /><ul><li>After 2 business days but before 60 days: </li></ul> Losses limited to $500<br /><ul><li>After 60 days: Lose all your money!</li></li></ul><li>More specifics<br />Fraudulent checks<br />Stop payment<br />Close the account<br />Have your bank contact the <br /> check verification company they use<br />
  13. 13. More specifics<br />Child identity theft<br /><ul><li> obtain a copy of your child’s credit report
  14. 14. contact local authorities, including the ftc
  15. 15. follow the same procedures as if your identity was stolen</li></li></ul><li>More specifics<br />Criminal violations<br />Contact the police department that originally <br /> arrested the person using your identity<br />File an impersonation report with the police or court<br /> Which issued the warrant<br />Have the police department take a full set of<br /> Your fingerprints, photograph you, and make copies<br /> Of your photo identification documents<br />
  16. 16. Identity theft wrap -up<br />Detecting identity theft<br />Removing potential identity theft opportunities <br />Protecting information on your computer<br />What to do if your identity is stolen<br />Don’t be worried, but be alert!<br />