Steps to Take
1. Report the fraudulent activity.
If the activity is related to Landmark Credit Union, please contact us directly at any of the following options:
If it is related to another financial institution, your other credit card companies or any other organization, contact them directly.
2. Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report.
This will help stop fraudsters from opening any additional accounts in your name. Contact only one of the following (they are each required to contact the other two):
- Equifax: 1-800-525-6285; www.equifax.com ; P.O. Box 740241, Atlanta, GA 30374-0241
- Experian: 1-888-EXPERIAN (397-3742); www.experian.com ; P.O. Box 9532, Allen, TX 75013
- TransUnion: 1-800-680-7289; www.transunion.com ; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
3. Close any accounts that you know, or even think, might have been tampered with or opened fraudulently.
Report the transgression to a security spokesperson at the relevant company. Ask them about any additional steps. They’ll probably ask you to send relevant copies of the fraudulent activity.
You can also use the Federal Trade Commission (FTC) Theft Affidavits ID (PDF, 56KB) as formal certification of your dispute.
4. File your complaint with the FTC.
- Visit IdentityTheft.gov to begin following the appropriate steps; or
- Use the online complaint form ; or call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or
- Write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580
Sharing your identity theft complaint with the FTC will help law enforcement officials track down identity thieves and stop them.
5. Call or visit the local police or police in the community where the identity theft took place and file a report.
Have a copy of your FTC ID Theft complaint form available to give them. Obtain a copy of the police report and the police report number.
More information about reporting fraud can be found on the FTC’s Identity Theft Website.
6. Online Fraud
- Have all personal computer(s) scanned by a professional as soon as possible (even the best antivirus, computer based programs only detect about 50% of malware)
- If the computer(s) are attached to a network, the network should also be professionally scanned; malware that is used to commit fraudulent activity may spread among network-attached computing devices. Disconnect the compromised computer from the network.
- Online Banking services should remain on hold until professional scan(s) are complete
- It is recommended to change passwords and usernames on all profiles for Online Banking and personal email