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ID Theft

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What to Do If You’re an ID Theft Victim

If you think you are a victim of identity theft, take these steps immediately. Learn more at the Federal Trade Commission's Identify Theft Site.

1. Notify any one of the three major credit bureaus and place a Fraud Alert on your credit report.
   This can help prevent an identity thief from opening additional accounts in your name. Once the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified.
   
   Equifax: 1-888-766-0008
   Experian: 1-888-397-3742
   TransUnion: 1-800-680-7289
   
   
2. Contact Navy Federal or other financial institutions and credit card companies.
   Close the affected accounts and open new ones with new Personal Identification Numbers (PINs) and passwords.
3. File a report with your local law enforcement agency.
   Your local police department can file a miscellaneous incident report. Even if you do not catch the criminal, having the police report can help you clear up your credit records. Be sure to obtain a case number and ask for a copy of the report.
4. Contact all the businesses that have opened accounts in your name without your permission.
   Close the accounts and let the businesses know that the accounts were opened fraudulently. Make sure you communicate with the businesses in writing.
5. Notify the Federal Trade Commission (FTC).
   Call 877-ID-THEFT (877-438-4338) or visit www.consumer.gov/idtheft. By sharing your identity theft complaint with the FTC, you will provide information that can help law enforcement officials track down identity thieves.
6. Report stolen mail.
   File a report with the U.S. Postal Service. Call your local Postal Inspector or visit www.usps.com
7. Call the Social Security Fraud Hotline.
   Immediately report that your card has been lost or stolen by calling the Hotline at 1-800-269-0271. Be sure to obtain a new driver's license and number.
8. Report stolen checks.
   If your checks are stolen or misused, stop all payments and contact these check verification companies:
   
   Telecheck:  1-800-710-9898
   Certegy, Inc.:  1-800-437-5120
   
   You can also call SCAN 1-800-262-7771 to find out if bad checks have been passed in your name.
9. Alert the Securities and Exchange Commission (SEC).
   If you identify suspicious activity in your investment accounts, call the SEC at 1-800-732-0330.