If you suspect that you are a victim of identity theft, it is important to act as quickly as possible to minimize the damage to your finances and your credit standing.
1. Notify your creditor or financial institution of any identified unauthorized transactions on your account and ask to file a claim. If you are a Comerica customer, contact Comerica Bank at 877.881.8955, Monday – Friday, 8 a.m. to 8 p.m. ET.
2. Create an identity theft report by filing a complaint with the FTC at ftccomplaintassistant.gov or 877.IDTHEFT. Your complete complaint is called an FTC Affidavit. Take your FTC Affidavit to your local police or the police where the theft occurred, and file a police report. Don’t forget to get a copy for yourself.
3. Flag your credit reports by contacting one of the three nationwide credit reporting companies and ask for a fraud alert or freeze on your credit report. An initial fraud alert is good for one year. As soon as one of the bureaus issues a fraud alert, the other two are automatically notified. Additionally, you should order a copy of your credit report and review the information carefully. If you see mistakes or signs of fraud, contact the credit reporting company immediately.
4. Contact the Social Security Administration if your Social Security card has been lost or stolen and you would like to request a (replacement) new card. Contact the Social Security Administration at 800.772.1213 or visit socialsecurity.gov.