Victims of Identity Theft – Steps to Take
This page is designed to assist customers that are victims of identity theft. First Harrison Bank has procedures in place, to the extent possible, to protect your banking information with us. If you believe you have become a victim of identity theft, we recommend that you follow the steps below to help to protect your personal and account information.
1. Contact the Identity Theft Hotline of the Federal Trade Commission (FTC) on the Internet at http://www.consumer.ftc.gov/features/feature-0014-identity-theft or call toll free 877-438-4338. The FTC places information into a secure consumer fraud database and shares it with local, state, and federal law enforcement agencies.
2. File a police report with local law enforcement agencies to document the crime.
3. Contact fraud departments of each of the three major credit bureaus and request that a “fraud alert” and a “victim’s statement” be placed in the customer’s credit line. This alert places creditors on notice that the customer has been the victim of fraud and the victim’s statement asks creditors not to open additional accounts without first contacting the customer. You may also consider requesting the credit bureaus to “freeze” your credit report, thereby making it more difficult for an identity thief to obtain credit in your name.
a. Equifax – 800-525-6285
b. Experian – 888-397-3742
c. Trans Union – 800-680-7289
4. Obtain a free credit report from the above listed credit bureaus or at www.annualcreditreport.com. The credit bureaus must provide a free credit report if the customer believes the report is inaccurate due to fraud.
a. Review the free credit report for any fraudulent accounts that have been
established. Also determine if any unknown inquiries have been made, as these
may be indicators of someone attempting to establish a fraudulent account under
the customer’s name.
5. Contact all financial institutions and creditors where the customer has accounts. The customer should request that they restrict access to the customer’s account, change password, or close the account if there is evidence that an account has been the target of identity theft.