If you are the victim of identity theft or fraud, you have the right to place a fraud alert on your consumer files with the 3 national consumer credit reporting agencies, Equifax, TransUnion and Experian. This makes it harder for anyone to use your consumer information through the agencies to open new credit accounts. You can place the fraud alert on your consumer files by contacting one of the three agencies and reporting the fraud and requesting the fraud alert. More information on this process is at https://www.annualcreditreport.com/cra/helpfaq#fraudalert. You are also entitled to a free copy of your consumer file, known as a “consumer disclosure,” after you are the victim of fraud. You can request this at the time you place the fraud alert.
The contact information for placing a fraud alert is:
- Equifax: 1-877-576-5734; www.alerts.equifax.com
- Experian: 1-888-397-3742; www.experian.com/fraud
- TransUnion: 1-800-680-7289; www.transunion.com
If you are a resident of Wisconsin, you may also have the right to place a Security Freeze on your files. See our Blog entry on How to Secure Your Credit Reports After Identity Theft under Wisconsin Law for more information.