TransUnion Personal: Identifying Identity Theft and Credit Fraud

Identifying

How do you know if you are a fraud victim? If a credit or law enforcement agency referred you to the Fraud Victim Assistance Department (FVAD), you may already know that you are a fraud victim. Otherwise, you may merely suspect that fraud has occurred. If you know that you did not cause the problem, but credit is affected, you are the victim of a credit fraud crime and you need to take certain steps to protect your rights.

The signs can vary, but typical indicators of fraud and/or stolen identity include:

  • One of your creditors informs you that they have received an application for credit with your name and Social Security number.
  • Incoming calls or letters state that you have been approved or denied by a creditor to which you never applied.
  • You receive credit card, utility or telephone statements in your name and address for which you never applied.
  • You no longer receive your credit card statements, or you notice that not all of your mail is delivered to you.
  • Your credit card statement includes purchases that you don’t recognize.
  • A collection agency tells you they are collecting for a defaulted account established with your identity, but you never opened the account.
NEXT STEPS:
  • If you think you may be a victim of identity theft, find out what you should do to begin restoring your credit history.
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CONTACT US
By Email
fvad@transunion.com
By Phone
1-800-680-7289
By Mail
P.O. Box 6790
Fullerton, CA 92834
RELATED TOPICS
Credit Monitoring