Identity theft sample letters
Letters and this step-by-step guide will help you regain your name
By Emily Starbuck Gerson | Published: September 5, 2008
|Credit card videos|
For more on this topic, check out this video:
It's unpleasant to find out that someone stole your credit card numbers, but it's even worse when a collection agency begins harassing you over debt you didn't create. CreditCards.com has assembled sample letters and a step-by-step guide to help identity theft victims clear their names and protect their credit.
Here are the initial steps to take when you believe you are a victim of identity theft:
|Identity theft sample letters|
CreditCards.com has assembled the following sample letters to help identity theft victims clear their names and protect their credit.
1. Letter to place an initial fraud alert
2. Letter to place an extended fraud alert
3. Letter to place a credit/security freeze
4. Letter to stop contact by a collection agency as an identity theft victim When your identity has been stolen, there is a large chance the person who stole your information incurred debt in your name. If you begin receiving calls from debt collectors, send this letter to inform them that the debt was created without your consent and asking them to cease communication.
- File a police report and provide as much evidence as possible. Keep a copy of the report; you will need it in some of the following steps to prove you are a victim.
- Notify the credit bureaus and place fraud alerts on your credit reports; this requires creditors to call you and get your approval before granting any new credit. After you place an initial fraud alert (see sample letter one), it will remain active for 90 days. You must place an extended fraud alert (see sample letter two) if you want it to remain active after that period.
- You can freeze your credit instead of placing a fraud alert (see sample letter three), which will stop access to your credit altogether.
- If your credit card accounts have been compromised, call your issuers and ask them to cancel your existing cards and issue new ones. If you have automatic payments set up with any merchants, notify them of your new card numbers. Under law, the most you will be liable for is $50, though many issuers have $0 liability for cardholders.
- If your debit or ATM cards have been compromised, call your bank and ask them to cancel the existing cards and issue you new ones. If you have automatic payments set up with any merchants, notify them of your new card numbers. If you do not report the fraud for debit cards quickly, you may be held liable for the loss.
- Fill out the FTC's Identity Theft Affidavit form if a new account was opened in your name. This form is accepted by some businesses and creditors as a means to ensure you do not become responsible for debts you did not create.
- If you are contacted by a collection agency about debt that was incurred in your name without your consent, notify them (see sample letter four) that you are an identity theft victim and are not responsible for that account.
- If your identity was taken through the theft of your wallet, there are additional steps involved, including getting a new driver's license and replacing all your membership cards. Use this checklist to guide you through those processes.
- File a complaint with the Federal Trade Commission. The commission will not investigate your case but will pass along your information to law enforcement officials and government agencies nationwide; this helps them observe criminal patterns and fight identity theft.
- Consider using a credit monitoring service so you can be notified when someone applies for credit in your name. You are not asked approval; you are just notified about credit changes after they happen.
- Closely examine all your bank statements and credit reports (which you are entitled to for free as an identity theft victim) in the following months to ensure there is no additional fraudulent activity.
See related: Debt collection sample letters
- CFPB rule: Consumers should be able to band together and sue – Banks, GOP oppose measure that would end "mandatory arbitration" clauses that prevented class-action suits ...
- Bluesnarfing is newest card fraud at gas pumps and ATMs – With a skimmer and Bluetooth technology, fraudsters can sit nearby and intercept your payment transaction details ...
- TransUnion to pay $60 million to consumers flagged as criminals – A jury sided with a consumer who claimed TransUnion violated federal law over OFAC alerts ...