Victim of Identity Theft? ‘How to Close Your Accounts’

By Carol A. Kando-Pineda, guest blogger. This post is a follow-up to Carol’s three recent blog posts, “Tools for ID Victims,” “Deployed? Get an “Active Duty Alert” and “ID Theft, Take Control

If you suspect your identity’s been stolen or hijacked, order copies of your credit reports and read them carefully. You’ll have some work to do immediately if you find mistakes or references to accounts that have been opened fraudulently. Close any accounts that may have been tampered with or opened fraudulently.

Call the security or fraud department of each company.

  • Follow up in writing, and include copies (not originals) of supporting documents, like a police report about the identity theft.
  • Send your letters by certified mail. Ask for a return receipt, so you can document what the company received and when.
  • Keep a file of your correspondence and enclosures.


For fraudulent charges or debits on existing accounts:

  • Ask the representative to send you the company’s fraud dispute forms.
  • If the company doesn’t have special forms, use this sample letter instead.
  • Send correspondence to the address for “billing inquiries,” not the address where you send your payments.

For new accounts opened in your name:

  • File a dispute directly with the company; or
  • File an Identity Theft Report with the police and give a copy to the company.
  • Filing a police report gives you more protection than simply filing a dispute with the company. A police report with a printed copy of your complaint to the FTC can be used to create an Identity Theft Report, which, in turn, has enough detail about the crime for the credit reporting companies and the businesses involved to verify that you’re a victim — and to know which accounts and inaccurate information resulted from the theft of your identity. A company that ‘s been reporting unauthorized accounts or debts to the credit reporting companies must stop once you present a completed Identity Theft Report to them.
  • If you can’t or don’t want to file a report with the police, ask if the company accepts the FTC’s ID Theft Affidavit. If it doesn’t=t, ask the representative to send you the company’s own fraud dispute forms.

The end of the process? Get a letter from every company where an account has been opened fraudulently stating that the company has closed the disputed accounts and has discharged the fraudulent debts. This letter is your best proof if errors relating to those accounts pop up again.

Learn more about fighting back against identity theft at www.ftc.gov/idtheft.

Check out these other posts:

  • http://www.facebook.com/people/Frank-Mellott/1809275570 Frank Mellott

    Back in 2001, I was a victim of this crime while on active duty. My experience eventually landed me in SmartMoney Magazine (Dec02), on the CBS Evening News with Dan Rather, and before the U.S. House of Representatives Financial Services Committee (Jun03) giving testimony that ultimately helped lead to the protections mentioned above. I've remained active helping other victims and presenting to senior DoD civilians, flag officers, as well as military and civilian groups on both victim effects and organizational prevention measures. I'd welcome the opportunity to continue working this issue on a larger scale, so DoD/Federal/state agencies are welcome to contact me.To the above information I would add a few key points: first, remember this is a marathon and not a sprint. You're not going to clean up the mess in just a few days. In fact, even 9 years later, I still receive the occasional bill collection notice. Thus, I call it “the crime that keeps on giving.” Second, always communicate with creditors, collection agents, companies seeking money from you for these bad debts, and credit reporting agencies using certified mail, return receipt. Yes, it costs a little more, but you can prove they received the communication. Third, try to keep you letters simple and confined to a single page. It makes it harder to lose a second page if there isn't one, and it also prevented me from writing letter that were too complex! Additionally, get a stack of the certified mail slips, that way you can include the certified mail number right in the letterhead. Fourth, keep a logbook; record everything in it, day time, phone number you called, who you spoke with, what they said they'd do, and what you said you'd do. Makes an excellent record of your efforts and is admissable in court. Fifth, follow up all phone conversations with a formal letter, recap what was said (your logbook should be your source), then clearly articulate back what they said they'd do. Sixth, when an organization tells you they will do something, be sure to get them to commit to a deadline, and get a direct number of who to call if it's not done.There's plenty more tips for victims, but these are what I found most useful as I fought the battle across state lines. There's good news though…I was able to get the thief convicted of two felony counts and put him in jail for a couple months.For organizations trying to prevent info from ID info from being lost or stolen from within, there's plenty that can be done there as well. Though that's for discussing in another venue. Hope this helps!

    • jennifer.cragg

      Sir, thanks for taking the time to leave an insightful comment for others to learn from. I have shared your comment with the author of the post. V/r, LT Jennifer Cragg

    • Carol

      Mr. Mellott,I really appreciate your sharing your experience with us and passing along some more great tips for folks facing this unfortunate situation. And so sorry you had to learn it the hard way. Thanks again for the information.

  • http://www.ThinkLikeASpy.com John Sileo

    Carol, I applaud you and the Department of Defense for getting this information out! While I was speaking for the DOD (OSD in particular), I put together a post about how Military families can prevent this from happening in the first place. If you are interested, please visit . Thank you.

    • Ckando

      Thanks for the information — as you know, when folks are empowered with information they can do so much to minimize their risk.

  • Janet Olson

    WOW… useful info and great tips…. thanks a lot for sharing …. :) this identity theft has become such a common practice these days that no one is safe from it…. i was also a victim of identity theft and i was so afraid!!! God Bless my Mom who gave me this link… :)

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