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If you are a victim of identity theft or suspect that someone is using your name or personal information to make purchases or get credit, act immediately to prevent or minimize the damage!
First Step: FILE A POLICE REPORT. The Federal Identity Theft and Assumption Deterrence Act criminalizes fraud in connection with the theft and misuse of someone else’s personal data. Keep a copy of the report for submission to the credit card companies and other creditors for verification that a crime was reported. Call your creditors and explain that someone stole your identity and request that they close or freeze your accounts, then change your login information, passwords and PIN numbers. Then… Contact the three Credit Reporting Agencies/Credit Bureaus to place a fraud alert and get your credit reports. A fraud alert lasts one year and you’ll get a letter from each credit bureau confirming the fraud alert in your credit file which will make it harder for someone to open new accounts in your name.
Go to annualcreditreport.com to request free copies of your credit reports every twelve months or call 877-322-8228. Get updates at IdentityTheft.gov/creditbureaucontacts Review your credit reports and take note of accounts and transactions you do not recognize. Next, report the identity theft to the FTC (Federal Trade Commission) by going to IdentityTheft.gov or call 877-438-4338. IdentityTheft.gov will create your Identity Theft Report and recovery plan. This report guarantees you certain rights which include:
The Fair and Accurate Credit Transactions Act a/k/a “The FACT Act” provides consumer protections to assist victims of fraud and it includes: Fraud Alerts, Extended fraud alerts, Duty to Honor Fraud alerts, Block Trade Lines, Prevent Re-pollution, Prohibit Selling or Placing for Collection Identity Theft Debt, Notification Duties on Debt Collectors, Access to Business Records, Access to Credit scores, Notification of Negative Information to Customers, Time Restriction on Reinvestigations, Dispute Information with Reporters, New standards for Furnishers, Address Verification and Truncation of Numbers. Then Repair… CLOSE ALL NEW ACCOUNTS OPENED IN YOUR NAME AND CALL THE FRAUD DEPARTMENT OF EACH BUSINESS WHERE AN ACCOUNT WAS OPENED. Explain that your identity was stolen, ask the business to close the account and send you a letter confirming that the fraudulent account is not yours, that you’re not liable for it and that it was removed from your credit report. Keep this letter for use if the fraudulent account appears on your credit report later on. Also, keep a record of who you contacted and the date of contact. REMOVE BOGUS CHARGES FROM YOUR ACCOUNTS BY CALLING THE FRAUD DEPARTMENT OF EACH BUSINESS. Explain that you are the victim of identity theft, tell them which charges are fraudulent and request that they be removed. Again request from the business, a letter confirming that the fraudulent charges are removed and keep the letter for use should the account re-appear on your credit report in the future. CORRECT YOUR CREDIT REPORT BY COMPLETING “IDENTITY THEFT LETTER TO A CREDIT BUREAU” FORM AND MAILING TO THE THREE CREDIT BUREAUS. Include with the letter a copy of your Identity Theft Report, proof of your identity, explain which information on your report is fraudulent and request that the information be blocked. Mail letters to:
REPORT A MISUSED SOCIAL SECURITY NUMBER BY CONTACTING YOUR LOCAL SSA OFFICE. STOP DEBT COLLECTORS FROM TRYING TO COLLECT DEBTS YOU DON’T OWE. REPLACE GOVERNMENT-ISSUED ID’S. You may have to contact additional offices (e.g. Utilities, Telephone, Government Benefits, Checking Accounts, Student loans, Apartment/ House Rentals, Investment Accounts). Maybe even a fraudulent Bankruptcy filing. Last Note: Go to OnGuardOnline.gov to learn how to avoid internet fraud, secure your computer and protect your personal information!
27 Comments
Peaslin David
4/13/2020 09:41:46 am
Curt lennix
5/5/2023 06:02:01 pm
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5/27/2020 03:46:52 am
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8/23/2020 11:07:02 pm
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9/18/2023 12:50:33 pm
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Kate Vallis
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3/12/2024 06:34:34 am
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Losing my job was a devastating blow, and just when I thought things couldn't get any worse, I found myself grappling with an even more distressing situation. A week after being laid off, I fell victim to a ruthless cyber attack that wiped out my Bitcoin account, draining it of its $30,000.00 worth of digital currency. The feeling of betrayal and devastation was overwhelming, as I struggled to come to terms with the magnitude of the loss. The hackers had managed to gain access to my Bitcoin account credentials, leaving me feeling utterly vulnerable and exposed. It was a violation of not just my financial security, but also my sense of trust and privacy. The realization that my hard-earned savings had been plundered by faceless criminals left me reeling with shock and disbelief. In my darkest hour, a friend reached out with a glimmer of hope. They referred me to Spyware Cyber, a renowned asset recovery team specializing in combating cybercrime. With little left to lose, I reached out to them, sharing all the necessary information about the incident in the hopes of finding some semblance of justice amidst the chaos. To my amazement, the team at Spyware Cyber sprang into action with unwavering determination. Utilizing their advanced technology and expertise, they embarked on a relentless pursuit to track down the hackers and recover my stolen bitcoins. It was a race against time, but their commitment to helping victims like myself never wavered. Days turned into weeks as the investigation unfolded, each moment filled with uncertainty and anxiety. But finally, after what felt like an eternity, I received the news I had been desperately hoping for – Spyware Cyber had successfully traced the hackers and recovered my stolen bitcoins. The sense of relief and gratitude that washed over me was indescribable, as I realized that justice had finally been served. However, the assistance provided by Spyware Cyber didn't end there. In addition to recovering my lost funds, they also helped me secure my digital access reliably, providing invaluable guidance and support to prevent future cyber attacks. Their dedication to their client's safety and well-being is truly commendable, and I am forever grateful for their unwavering commitment to helping individuals like myself navigate the complexities of cybercrime. In the aftermath of this harrowing experience, I am filled with a newfound sense of resilience and determination. While the scars of the past may never fully heal, I take solace in knowing that I have the support of organizations like spyware(@)cybergal . com, to help me rebuild and reclaim my financial freedom. 4/8/2024 04:25:39 pm
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7/9/2024 11:46:05 am
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7/10/2024 02:10:50 am
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The cryptocurrency market has seen a surge in demand for recovery assistance services. As more people enter the exciting yet unpredictable world of cryptocurrency, the need for specialized help in recovering lost investments has become increasingly apparent. And that's where INTELLIGENCE CYBER WIZARD comes into play - your knight in shining code, dedicated to helping you regain what's rightfully yours. So, who exactly is this INTELLIGENCE CYBER WIZARD, you ask? Well, they're a team of experienced professionals who have mastered the art of recovering lost investments in the cryptocurrency realm. With their extensive knowledge and expertise, they've helped countless individuals like us reclaim what they've lost. Reach out to INTELLIGENCE CYBER WIZARD.
Taylor Perkman
7/13/2024 12:47:16 pm
ICC IS TIMELY IN DATA RECLAIM: 7/17/2024 08:29:37 pm
I lost $303,450 with a fake crypto investor. I am Kenneth Brown and here is my story. Of course, they advise us to do a good background check before deciding where and when to invest. But they entirely forget that the scammers have a "clean" background record. So you will find all the good reviews and ads about them when you research. Mine was no different. They looked legit, and I made my deposits, plus more deposits when chasing my withdrawals. I reached my limit and knew I had to get my money back no matter what. I did some deep searching and finally decided to try out SWIFT SPY ASSETS RECOVERY. And guess who had their total investment money back in approximately 20 hours? The good thing about this hacker is that they only require the transaction information and the hacker's address, and everything else is on them until the money is fully back. Reach them by email: (swiftrecoveryservice006 @gmail .com) or WhatsApp number: +1 (786) 684‑0501. Or Telegram: @SWIFT_HACKING. Visit their website at https://swiftspyassetsrecovery.com to get the help you need with finances and crypto.
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2/25/2025 02:59:25 am
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AuthorThe LDCENY has helped dozens of individuals and families improve their credit through out Financial Literacy programs. Call us today to see how we can help you! Archives
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