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.




