Fresno Police Department
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Jerry Dyer, Chief
2323 Mariposa Street
Fresno, CA 93721
(559) 621-7000
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1. Notify the credit reporting agencies and put a fraud alert on your accounts. This will help stop new accounts being started in your name. You only have to notify one agency, and they will notify the other two. Keep in mind; this must be renewed every 90 days.

Transunion                                   Experian                                    Equifax
1-800-680-7289                          1-888- (397-3742)                     1-800-525-6285 
www.transunion.com                www.experian.com                  www.equifax.com

2. Order a copy of your credit report. Review your credit report to ensure it is accurate. If there are credit accounts you did not establish, someone may have opened accounts in your name. Call the creditor to close the accounts and find out if there has been criminal activity. If there are inaccurate addresses on your accounts, notify the creditor and the police. Ask the credit bureaus to remove the inquiries that have been generated due to the fraudulent access.

Ask the credit bureaus for names and phone numbers of credit grantors with whom fraudulent accounts have been opened. You may also ask the credit bureaus to notify those who have received your credit report in the last six months in order to alert them to the disputed and erroneous information.

3. Credit Cards: If your credit cards are being used, notify your credit card companies so they can freeze future activity. Keep track of who you speak with and keep your reference or claim number. While speaking with them, get additional information to help the police identify the criminal. This would be the specifics as to the date, time and location the credit cards were used.

Ask replacement cards with new account numbers for you own accounts that have been used fraudulently. Ask that old accounts be processed as “account closed at consumer’s request.” (This is better than “card lost or stolen” when this statement is reported to credit bureaus, it can be interpreted as blaming you for the loss). Carefully monitor your mail and credit card bills for evidence of new fraudulent activity.

4. Checks: If checks or your checking account are being used fraudulently, notify your bank. Consider closing your checking account, and getting a new account. Give the bank a secret password for your account (do not use your mother’s maiden name). Keep track of who you speak with and keep your reference or claim number. While speaking with them, get additional information to help the police identify the criminal. This would be the specifics as to the date, time and location the checks were used.

5. Debit Cards or ATM: If your ATM card has been stolen or is compromised, get a new card, account number, and password. Do not use your old password. When creating a password, don’t use common numbers like the last four digits of your social security number or your birth date.

6. Fraudulent Change of Address. Notify the local Postal Inspector if you suspect an identity thief has filed a change of address with the post office or has used the mail to commit credit or bank fraud. Find out where the fraudulent credit cards were sent. Notify the local Postmaster to forward all mail in your name to your own address. You may also need to talk to the mail carrier.

7. Social Security Number Misuse. Call the Social Security Administration to report fraudulent use of your social security number. As a last resort, you might want to change the number. The SSA will only change it if you fit their fraud victim criteria. Also order a copy of your Earnings and Benefits Statement and check it for accuracy.

8. Passports. If you have a passport, notify the passport office in writing to be on the lookout for anyone ordering a new passport fraudulently.

9. Drivers License Number Misuse. Call the state office of the Department of Motor Vehicles (DMV) to see if another license was issued in your name. Put a fraud alert on your license. Go to your local DMV to request a new number. Also, fill out the DMV’s complaint form to begin the fraud investigation process. Send supporting documents with the complaint for to the nearest DMV investigation office.

10. False Civil and Criminal Judgments. Sometimes victims of identity theft are wrongfully accused of crimes committed by the imposter. If a civil judgment has been entered in your name for actions taken by your imposter, contact the court where the judgment was entered and report that you are the victim of identity theft. If you are wrongfully prosecuted for criminal charges, contact the state Department of Justice and the FBI. Ask how to clear your name.


11.  False Civil and Criminal Judgments. Sometimes victims of identity theft are wrongfully accused of crimes committed by the imposter. If a civil judgment has been entered in your name for actions taken by your imposter, contact the court where the judgment was entered and report that you are the victim of identity theft. If you are wrongfully prosecuted for criminal charges, contact the state Department of Justice and the FBI. Ask how to clear your name.

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