Preventing Identity Theft and Fraud
Always remain vigilant for incidents of fraud or identity theft by monitoring your online accounts, financial accounts and credit reports for any unauthorized activity. If you review your credit reports or account statements and do find suspicious activity, you should immediately contact your local police or sheriff’s office, state Attorney General, or the Federal Trade Commission (“FTC”). You have a right to a copy of the police report, and you may need to give copies of the police report to creditors to clear up your records and also to access some services that are free to identity theft victims.
Under the U.S. Fair Credit Reporting Act and other laws, you have certain rights that can help protect yourself from identity theft. Many of these are explained in this letter and at www.identitytheft.gov/#/Know-Your-Rights. For example, you have a right to obtain a copy of your credit report, free of charge, once every 12 months from each of the three national credit reporting agencies listed below. At no charge, you can also have these credit reporting agencies place a short-term or an extended “fraud alert” on your file that alerts creditors to take additional steps to verify your identity prior to granting credit in your name. Note that because a fraud alert tells creditors to follow certain procedures to protect you, it may also delay your ability to obtain credit while the agency verifies your identity. As soon as one credit agency confirms your fraud alert, the others are notified to place fraud alerts on your file. If you wish to place a fraud alert or have any questions regarding your credit report, please contact any one of the agencies listed below. Please note, no one is allowed to place a fraud alert on your credit report except you.
P.O. Box 105069
Atlanta, GA 30348-5069
P.O. Box 9554
Allen, TX 75013
P.O. Box 2000
Chester, PA 19016-2000
To Add Fraud Alert
(888) 202-4025, Option 6 or
(714) 830-7000, Option 2 or https://www.experian.com/fraud/center.html
(800) 916-8800, Option 0
You may also place a security freeze, also known as a credit freeze, on your credit report free of charge. A security freeze prohibits a credit agency from releasing information from your credit report without your prior written authorization. Please be aware that placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, credit mortgages, employment, housing, or other services.
The following information must be included when requesting a security freeze: (1) full name, with middle initial and any suffixes; (2) Social Security number; (3) date of birth; (4) current address and any previous addresses for the past 5 years; and (5) any applicable incident report or complaint with a law enforcement agency or the Registry of Motor Vehicles. The request also must include a copy of a government-issued identification card and a copy of a recent utility bill or bank or insurance statement. It is essential that each copy be legible and display your name, current mailing address, and the date of issue. The credit agencies must place a security freeze on your credit report within one (1) business day after receiving a request by phone or secure electronic means, and within (3) business days after receiving your request by mail. The credit agency must then send written confirmation to you within five (5) business days of placing the security freeze, along with information about how to remove or lift the security freeze in the future.
If you wish to place a security freeze or have any questions regarding your credit report, please contact the agencies listed below. Unlike a fraud alert, you must separately place a security freeze on your credit file at each agency.
1-888-EXPERIAN or 1-888-397-3742
P.O. Box 1057881
Atlanta, GA 30348-0241
P.O. Box 9554
Allen, TX 75013
P.O. Box 2000
Chester, PA 19016-2000
Security Freeze Form
You can further educate yourself regarding identity theft, fraud alerts, freezes, and the steps you can take to protect yourself by contacting the FTC and calling 1-877-IDTHEFT (1-877-438-4338) (TTY: 1-866-653-4261), visiting www.ftc.gov/idtheft, or writing to Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
Other Important Information
You can visit the California Office of Privacy Protection (www.oag.ca.gov/privacy) for additional information on protection against identity theft.
You are advised to report any suspected identity theft to law enforcement or to the Iowa Attorney General.
Office of the Attorney General of Kentucky, 700 Capitol Avenue, Suite 118 Frankfort, Kentucky 40601; phone: 1-502-696- 5300; ag.ky.gov.
You may obtain information about avoiding identity theft at: Office of the State of Maryland Attorney General 200 St. Paul Place Baltimore, MD 21202; phone: 1-888-743-0023; www.marylandattorneygeneral.gov.
You may obtain information about avoiding identity theft at: the Minnesota Department of Public Safety, https://dps.mn.gov/divisions/ojp/help-for-crime-victims/Pages/Identity%20Theft.aspx.
New Mexico residents:
The Fair Credit Reporting Act (FCRA) provides certain rights in addition to the right to receive a copy of your credit report (including a free copy once every 12 months), including the right to ask for a credit score, dispute incomplete or inaccurate information, limit “prescreened” offers of credit and insurance, be told if information in your credit file has been used against you, and seek damages from violators. You may have additional rights under the FCRA not summarized here, and identity theft victims and active-duty military personnel have specific additional rights pursuant to the FCRA. You can review these rights by visiting www.consumerfinance.gov/ f/2015904_cfpb_ summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.
New York residents:
The Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; phone: 1- 800-771-7755; https://ag.ny.gov/.
North Carolina residents:
You may obtain information about avoiding identity theft at: North Carolina Attorney General’s Office 9001 Mail Service Center Raleigh, NC 27699-9001; phone: 919-716-6400; www.ncdoj.gov.
You may obtain information about avoiding identity theft at: Oregon Department of Justice, 1162 Court Street NE, Salem, OR 97301-4096; phone: 1-877-877-9392; www.doj.state.or.us/.
Rhode Island residents:
You may obtain information about preventing and avoiding identity theft from Rhode Island’s Attorney General Office: Rhode Island Office of the Attorney General, 150 South Main Street, Providence, RI 02903; phone: 401-274-4400; http://www.riag.ri.gov.
Washington D.C. residents:
You may obtain information about avoiding identity theft at: Office of the Attorney General for the District of Columbia, 441 4th Street, NW, Washington, DC 20001; phone: 202-727-3400; https://oag.dc.gov/.
Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico, and Vermont residents:
You may obtain one or more (depending on the state) additional copies of your credit report, free of charge. You must contact each of the credit bureaus directly to obtain such additional report(s).