identity theft is when someone uses personal identifying information of another person without their authorization and they use that information to obtain or attempt to obtain money, credit, goods, services, property or medical information.
If you discover you are the victim of identity theft, you should do the following:
1. Call us to respond to you or stop in at our location, 25 School Street, to file a report. Bring with you any suspect or witness information and financial loss. Bring copies of all supporting data.
2. Set up a folder to keep a detailed history of the crime.
Keep a log of all your calls/contacts and make copies of all documents.
3. Report the crime to the Federal Trade Commission (www.ftc.gov). The FTC is the federal clearinghouse for complaints by victims of identity theft. They help victims by providing information to help resolve financial and other problems that could result from identity theft. Their hotline telephone number is: 877-438-4338.
4. Call each of the three credit bureau fraud units (TransUnion, Equifax, Experian) by phone and in writing to inform them you were the victim of identity theft. Ask to have a “Fraud Alert/Victim Impact” statement placed in your credit file asking that creditors call you before opening any new accounts.
Below is a sample letter to send to each of the credit bureaus.