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What to do if you have been the victim of credit card fraud or identity theft:



  1. If your complaint is essentially a non-criminal dispute with a retailer or other business, you must immediately dispute the charge(s) in writing with the customer relations office of your credit card company.

  2. If you have been the victim of credit card fraud or identity theft, the following tips will assist you:

    • Report the crime to the police immediately. Get a copy of your police report or case number to provide to your credit card company, bank or insurance company.

    • Immediately contact your credit card issuer(s). Get replacement cards with new account numbers and ask that the old account be processed as "account closed at consumer's request" for credit record purposes. You should also follow up this telephone conversation with a letter to the credit card company that summarizes your request.

    • Call the fraud units of the three credit reporting bureaus. Report the theft of your credit cards and/or numbers. Ask that your accounts be flagged. Also, add a victim's statement to your report that requests that they contact you to verify future credit applications. The following is a list of addresses and numbers to the three credit bureaus:

      Equifax Credit Information Services - Consumer Fraud Div.
      P.O. Box 740256
      Atlanta, GA 30374
      Tel: 1-888-766-0008
      www.equifax.com

      Experian
      P.O. Box 2104
      Allen, Texas 75013-2104
      Tel: (888) EXPERIAN (397-3742)
      www.experian.com

      Trans Union Fraud Victim Assistance Dept.
      P.O. Box 2000
      Chester, PA 19022-2000
      Tel: 800-680-7289
      https://fraud.transunion.com

    • Keep a log of all conversations with authorities and financial entities.

    • As with any personal information, only provide your credit card number to merchants you know. Also, remember to protect your Social Security number. You have to provide your Social Security number for employment and tax purposes, but it is not necessary for many businesses. Notify the Social Security Administration's Office of Inspector General if you suspect your Social Security number has been used fraudulently.

    • The Federal Trade Commission (FTC) is the federal clearinghouse for complaints by victims of identity theft. Although the FTC does not have the authority to bring criminal cases, the Commission assists victims of identity theft by providing them with information to help them resolve the financial problems and other repercussions that can result from identity theft. The FTC also may refer victim complaints to other appropriate government agencies and private organizations for further action. If you have been a victim of identity theft, you can file a complaint with the FTC by contacting the FTC's Consumer Response Center:


      By Phone:       Toll-free 1-877-ID-THEFT (438-4338)
                             TDD 202-326-2502
      By Mail:           Consumer Response Center
                             Federal Trade Commission
                             600 Pennsylvania Ave, NW
                             Washington, DC 20580
      On the Web:   www.consumer.gov/idtheft
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