What to Do
If you think you’ve been a victim of fraud or identity theft, take the following steps:
1. Contact your Financial Institution.
If your personal information has been lost, stolen or compromised, your bank can help minimize loss by closing your accounts or taking other measures. If there is activity that hasn’t been authorized by you, your bank is obligated to investigate.
2. Contact the Police.
If you have been a victim of identity theft or fraud online, on the phone or through the mail, contact your local police to file a report. Filing this report will help you with creditors and agencies who may want proof of the crime.
3. Contact Credit Reporting Agencies.
Credit reporting agencies can assist you in filing the appropriate fraud alert depending on the type of fraud or identity theft. Call one of the three following agencies if you’re a victim of fraud, ID theft or don’t recognize a creditor on your credit report:
Experian: 1-888-397-3742 or www.experian.com
Equifax: 1-800-525-6285 or www.equifax.com
TransUnion: 1-800-916-8800 or www.transunion.com/
4. Contact other Fraud Protection Agencies.
You can also report fraud or ID theft crimes to informational agencies and local prevention organizations:
National Fraud Information Center: www.fraud.org
Better Business Bureau (serving South Dakota, Nebraska and southwest Iowa):
(605) 271-2066 or www.bbbsouthdakota.org
5. Prevent Future Risks.
Minimize the risk of future ID theft or fraud by reviewing the warning signs and contacting other agencies:
Add your Number to the Do Not Call Registry
Call 1-888-382-1222 or visit www.donotcall.gov to register your phone number and eliminate telemarketing calls. Companies are prohibited from making unsolicited calls to these numbers. However, political and charitable calls may continue.
Opt Out of Credit Offers
Call 1-888-5-OPTOUT (1-888-567-8688) to remove your name from a list of pre-approved credit and insurance offers. Credit bureaus will be prohibited from sharing your name and credit information for these offers.
Get a Free Credit Report
Look for any indication of ID theft or fraud and make sure your credit is being accurately reported by calling 1-877-322-8228 or visiting www.annualcreditreport.com for a free credit report. You can request a free report from each of the three reporting agencies annual and stagger throughout the year.