How to Respond to Credit Fraud

The Four Step Process

Have you noticed something unfamiliar or suspicious on one of your accounts? If someone accesses your bank account or commits any type of fraudulent activity using your identity, Experian® suggests that you follow a four-step process to combat any further threats.

Step 1: Contact Experian’s National Consumer Assistance Center

You can visit our online Credit Fraud Center or call Experian’s automated service at 1 888 397 3742 any time, day or night, to add an alert to your account. 24/7 access allows you to set up the correct alerts as soon as you notice something suspicious.

Immediately you can add an initial security alert directly to your credit file. By doing this, creditors are notified to confirm your identity before extending or completing any credit process. With this alert active be aware that your name will be removed from pre-screened credit solicitation lists in order to protect your account and identity.

Don’t forget – an alert may prevent you from being approved for new credit, or you may be asked to provide identity information but again this is all to secure your sensitive data and assets.

  • You also may request a complimentary credit report.
  • The alert will be shared with the other national credit reporting companies, Equifax and TransUnion, so they can add the alert to their credit files.

Step 2: Review Complimentary Credit Report or Order Report

After initiating the alert to your credit report, you’ll need to review your consumer disclosure for fraudulent data. Then you can call the special telephone number listed on the credit report. An Experian consumer assistance associate who is specially trained in fraud victim assistance will lead you through the process and together, you can identify the fraudulent items. Once you’ve finished speaking with the Experian specialist the items are investigated and verified.

Step 3: Experian Investigates

Now it’s time to investigate and resolve the fraudulent activity. Once the Experian associate verifies the information that the consumer alleges as fraudulent they can move forward notifying the creditors or data furnishers.  With official documentation of a valid police report or valid state-approved identity theft form, the Experian associate can block the alleged fraudulent information from being viewed by creditors and other users of your report. Now you can continue to be credit-active without any backlash from the fraudulent information on your credit report.

  • Submit Police Report or Proof Documents
  • Experian employs special system procedures and matching criteria to ensure that fraudulent data is removed as soon as possible.

Step 4: Fraudulent Data Is Removed

The Experian team is required to complete an investigation within 30 days (or 45 days if information on an annual credit report is disputed).
Also to complete the case, the data contributor is asked to verify the information they reported with their records.
After those steps, a response will be received and the consumer will be notified with the results of the completed investigation.

Security Freezes — Learn More

Additional Resources

Do you suspect that you may be a victim of identity theft? We suggest you act quickly to ensure the security of your data and assets. Here are some crucial contacts that can help you respond to your possible threat.

Experian Fraud Division

1 888 397 3742

Equifax Fraud Division

1 800 525 6285

TransUnion Fraud Division

1 800 680 7289

Driver’s License Number Fraud

Notify your state’s Department of Motor Vehicles

Social Security Number/Identity Theft

Notify the Federal Trade Commission at 1 877 ID THEFT or 1 877 438 4338

Have questions? We’d love to chat!

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