Dealing with Identity Theft

With an estimated 9 million Americans having their identities stolen each year, chances are you or someone you know has been a victim.  If you have been a victim of identity theft, take the following actions as soon as possible. 


Who To Contact: 

Call the fraud departments of the major credit reporting agencies. You can request either a Fraud Alert or a Credit Freeze be placed in your file. A fraud alert prevents new accounts from being opened without your consent. A freeze will lock out thieves and prevent companies from even reviewing your file to establish new credit.  Call their automated system 24/7.


Credit Reporting Agencies

Equifax -

To report fraud call: 1-800-525-6285

Experian -

To report fraud call: 1-888-EXPERIAN (397-3742)

Trans Union -

To report fraud call: 1-800-680-7289

Contact OneMain Financial

If you are a victim of Identity Theft or if you think that your account may have been opened fraudulently, please contact OneMain Financial Fraud Operations at 877-213-2925 for assistance in filing a claim.


Your other creditors

Call your bank and credit card companies immediately if your cards or checks have been stolen, are missing, or you notice charges you didn't make. Close any affected accounts immediately. Change your PINs and your passwords.


The Police

File a police report and keep a copy of the report, not just the case number, for your creditors. 


The Federal Trade Commission

This government agency helps victims of identity theft by providing information about the recovery process. They also keep statistics on this crime so your complaint will be duly noted. Call the Federal Trade Commission's Identity Theft Hotline at 1-877-IDTHEFT (438-4338). You can also find them online at

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