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Identity Theft Information
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Should You File A Police Report If Your Identity Is Stolen?
A police report that provides specific details of the
identity theft is considered an Identity Theft Report,
which entitles you to certain legal rights when it is
provided to the three major credit reporting agencies
or to companies where the thief misused your
information.
You may not need an Identity Theft Report if the thief made charges on an existing
account and you have been able to work with the company to resolve the dispute.
Where an identity thief has opened new accounts in your name, or where fraudulent
charges have been reported to the consumer reporting agencies, you should obtain
an Identity Theft Report so that you can take advantage of the protections you are
entitled to.
You may not need an Identity Theft Report if the thief made charges on an existing
account and you have been able to work with the company to resolve the dispute.
Where an identity thief has opened new accounts in your name, or where fraudulent
charges have been reported to the consumer reporting agencies, you should obtain
an Identity Theft Report so that you can take advantage of the protections you are
entitled to.
An Identity Theft Report can be used to permanently block fraudulent information
that results from identity theft, such as accounts or addresses, from appearing on your
credit report. It will also make sure these debts do not reappear on your credit reports.
Identity Theft Reports can prevent a company from continuing to collect debts that
result from identity theft, or selling them to others for collection. An Identity Theft Report
is also needed to place an extended fraud alert on your credit report.
In order for a police report to entitle you to the legal rights mentioned above, it must
contain specific details about the identity theft. You should file an ID Theft Complaint
with the FTC and bring your printed ID Theft Complaint with you to the police station
when you file your police report. The printed ID Theft Complaint can be used to
support your local police report to ensure that it includes the detail required.
A police report is also needed to get copies of the thief’s application, as well as
transaction information from companies that dealt with the thief. To get this
information, you must submit a request in writing, accompanied by the police report, to
the address specified by the company for this purpose.
Next: How Long Can The Effects Of Identity Theft Last?
Back to: Identity Theft Overview