Dealing with Fraud and Identity Theft

If you suspect you might be a victim of identity theft or fraud, please review the following steps carefully and take immediate action.

Report financial fraud to your financial institution

If you think your bank accounts or financial details have been compromised, contact your bank’s fraud hotline.

Contact the credit reporting agencies to place a fraud alert on your credit report

Report any identity theft incidents as quickly as possible to one of the three major credit bureaus listed below. A fraud alert will be placed on all of your credit reports.

You will only need to contact one of the credit bureaus listed below– the one you contact is required to report the fraud alert to the other two bureaus.

Equifax
Phone: 1-800-525-6285
Web: equifax.com

Experian
Phone: 1-888-397-3742
Web: experian.com

TransUnion
Phone: 1-800-680-7289
Web: transunion.com

When you place a fraud alert on your credit report, new inquiries or changes to existing account information will be reviewed very carefully to verify that you’re actually make the said changes.

Contact the Social Security Administration

If you think documents related to your identity (Social Security number) has been used without your consent, call the Social Security Administration Fraud hotline at 1-800-269-0271.

Order a credit report

Review your credit reports carefully looking for any inconsistencies. Verify that your personal information (SSN, mailing address, initials, etc.) is correct. Look through your credit report for accounts you didn’t open or debts you can’t explain. If you find information on your credit report that you think is the result of identity theft, you can ask the credit bureau to remove that information from your credit report.

Continue to check your credit reports periodically, especially for the first year after you discover identity theft, to make sure no new fraudulent activity has occurred. The federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. You can request your free credit reports at ftc.gov/freereports.

Close fraudulent accounts

If you find accounts have been opened in your name without your knowledge contact the company directly and ask to have them closed. Inform the company that the account was opened fraudulently. Keep detailed notes of your conversation and ask for documentation showing the account has been closed.

If you suspect that any of your accounts with Digital Creative have been compromised, please notify us immediately using the Contact Us section.

Report ID theft to the Federal Trade Commission

Call 1-877-IDTHEFT (877-438-4338) or TTY 1-866-653-4261 to report ID theft so that law enforcement across the country can use the information to help with its investigations. You can also report ID theft to the FTC online at ftc.gov/idtheft.

The FTC has a comprehensive identity theft recovery guide titled “Take Charge: Fighting Back Against Identity Theft”. This publication is also available at ftc.gov/idtheft.

File a police report

Contact your local law enforcement agency to file a report to help you with creditors who may need more information.

Fraud Hotline

If you suspect fraud or abuse on any of your Digital Creative accounts, email jlaureola@digitalcreative.com or call 215-867-8188, ext 101. Please do not send any sensitive information to us via email.

One Response to “Dealing with Fraud and Identity Theft”

  1. Dealing With Fraud

    Thank you for the info.It did seem strange that a Dr based in Leeds,Yale