What To Do If You Are a Victim of Fraud or Identity Theft
If you or someone you know is a victim of fraud or identity theft, take the following steps:
Notify the Authorities
If the situation requires immediate attention, notify the local police department.
Contact Adult Protective Services at (800) 522-3511 to make a report. You can make the report anonymously. A case worker will investigate within three days.
To report consumer fraud, contact the Oklahoma Attorney General’s office, Consumer Protection Unit at (405) 521-3921 or (918) 581-2885.
Contact Banks & Other Financial Institutions
Notify your bank(s), credit card companies, or other financial institutions.
Request a fraud alert to be placed on your credit reports. Once one credit bureau confirms your fraud alert, alerts will be sent to the other two, and all three reports will be sent to you.
Equifax 1-800-525-6285
Experian 1-888-397-3742
TransUnion 1-800-680-7289
Close any bank accounts and cancel credit, debit, and/or ATM cards that have been opened or accessed fraudulently. Contact each company by phone and certified letter. Keep all records and document each conversation.
For new unauthorized accounts, ask if the company accepts the ID Theft Affidavit. If they do not, ask for the company’s fraud dispute forms.
For your existing accounts, ask for the company’s fraud dispute forms.
If the disputed charges are erased, make sure the company notifies you in writing.
To deal with fraudulent checks, close your account and ask the bank to notify the appropriate check verification service. File Identity Theft Reports
File an ID Theft Complaint with the Federal Trade Commission by clicking on the link below or by calling 1-877-IDTHEFT (438-4338). Print a copy of your ID Theft Complaint.
File a report with your local police or the police in the community where the identity theft took place. Take a copy of the ID Theft Complaint you filed with the Federal Trade Commission to be incorporated in the police report. Get a copy of the police report and the report number.
Apply for the Oklahoma Identity Theft Passport. Submit copies of the ID Theft Complaint filed with the FTC, the police report, ID Theft Affidavit(s) filed, and the certified mail delivery receipts received by one or more of the three consumer credit bureaus to the Oklahoma State Bureau of Investigation.
After you are issued an ID Theft Passport, the OSBI will contact the Department of Public Safety, and the ID Theft Passport will be attached to criminal history records for purposes of criminal background and law enforcement checks. If you have an ID Theft Passport, crimes committed by a thief who fraudulently used your identity will not appear on your record. |
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