How to fix identity breaches (McAfee)

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

   NOTE: Some companies might not comply unless you have a Commonwealth Victim’s Certificate.

1. Collect all evidence of the identity crime. These elements need to be proven with the evidence:​

• A person makes, supplies, or uses identification information that is yours​
• That person has the intention to pretend to be you. For example, someone who picks up your lost ID might not be trying to pretend to be you. But, if this person used your identification to redirect Medicare rebates to their own bank account, they have committed an identity crime.​

2. Print and complete this Application for a Commonwealth Victims’ Certificate.
3. Complete a statutory declaration. Make sure you understand that this declaration can be used as evidence in a legal proceeding. For more details, read this document before you complete the statutory declaration.
4. Submit your application and statutory declaration to a magistrate of a state or territory magistrate’s court. Bring proof of your identity during this interaction.​
5. Be ready to provide more information to the magistrate to help them decide whether to issue a certificate.
6. Use the certificate to re-establish your credentials, or remove a fraudulent transaction from your records with different companies.
   The certificate does not compel an organization to take action or re-establish your credit rating, but most companies recognize the certificate.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

• Transunion
• Equifax

1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
   address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on).
2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
3. Ask for a copy of the police report​.

1. Visit your nearest police station and report your passport as lost or stolen.
2. Obtain a copy of the police report​.
3. Report the lost passport to the nearest Department of Internal Affairs Office, or on their website.
4. You can also apply for a replacement passport here.

1. File a complaint with the police. Ask for the case reference number with the officer’s name and telephone number.
   Obtain a copy of the police report if possible with your name and SIN stated within the report.​
2. Contact the Canadian Anti-Fraud Centre at 1-888-495-8501, or on their website.​
3. Contact both credit bureaus. Ask for a copy of your credit report and review it for suspicious activity.
   Ask to see if your credit file should be flagged (fees might be applicable)​.

• Equifax: 1-800-465-7166​
• TransUnion: 1-800-663-9980 (for residents of Quebec: 1-877-713-3393)​

4. Inform your bank and creditors by phone and in writing if there are irregularities.​
5. Report irregularities.

1. Contact Canada Post.
2. Inform your utility providers (landline and cellphone, electricity, water, gas, and so on) about the identity fraud.

• Birth certificate
• Driver’s license​
• Health card​
• Other documents issued by a province or territory​

Also, contact the province or territory that issued the document if:​

• The document has been lost or stolen​
• You believe that someone is fraudulently using this information​

You can find contact information on provincial and territorial government websites

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts tomake sure no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Contact one of the following:
   • Equifax (formerly known as Veda Advantage), or
   • Illion (formerly known as Dun & Bradstreet)
2. Look through your credit report to see if there are any additional suspicious accounts opened in your name.​
3. Contact those companies as well and notify them that your account is a result of identity fraud

1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
   address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on).
2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
3. Ask for a copy of the police report​.

1. Visit your nearest police station and report your passport as lost or stolen.
2. Obtain a copy of the police report​.
3. Report the lost passport to the nearest Department of Internal Affairs Office.
4. You can also apply for a replacement passport here.

1. Visit any of the New Zealand Transport Agency (NZTA) licensing agents​.
2. Bring evidence of your identity and address (passport, utilities bill, mortgage payments, apartment contract)​.
3. Submit a completed Form DL2.
4. Pay the replacement license fee​.

NOTE: The replacement driver’s license has the same expiry date as the lost license.
You can apply to renew your license for up to 10 years. If you are unable to replace your driver’s license, contact the NZTA to cancel the license card entirely.

1. Contact your bank’s fraud department​.
2. Let them know that you have been a victim of identity fraud​.
3. Wait for the bank to send you new documentation​.
4. File a police report.

1. Contact New Zealand Post to find out if your post has a hold or redirect placed on it​.
2. Follow up with the organization that sent the missing mail to update your address​.
3. Present any evidence of stolen identity to the police and file a report.

• Credit suppression freezes access to your credit file. It blocks Credit Reporting Agencies from disclosing any personal information from your consumer credit file to credit providers unless you provide written consent for them to do so (or if they must provide your info when needed by law)​.
• It does not impact your current credit cards or loans unless credit is due for renewal​.
• Suppressions with Equifax and Centrix are initially valid for 20 days. Illion suppression is valid for 10 days.​
• More evidence might be needed for extending the credit suppression indicating that you are or are at risk of becoming a victim of identity fraud.​
• Show a police report number, confirmation from a credit provider or a netsafe.org.nz report number to extend.

Contact all three Credit Reporting Agencies​:

• Equifax: Fill out the Credit File Suppression form. ​
• Illion: Fill out the Consumer Credit File – Suppression Request form, then email [email protected] with the form attached.
  Mention that you are requesting a suppression as you might be, or might become, a victim of identity theft.
• Centrix: Fill out the Freeze my credit report form. Provide a copy of your Driver Licence or Passport. Mention you are requesting a suppression as you might be, or might become, a victim of identity theft.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Place a fraud alert with one of the following credit bureaus:

• Experian: email: [email protected] or call 0844 481 8000​
• Transunion: email: [email protected] or call 0330 024 7574​
• Equifax: on their website, or call 0800 121 4752

2. Obtain a credit report from one of the credit bureaus.
   Use this report to check if there were any inquiries performed by a lender, and any dates of other incidents involving your credit.​

You can also make a report on the Action Fraud website.
​

1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
   address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, notices, and so on).
2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
3. Ask for a copy of the police report​.

• Cancel your passport on the Lost or stolen passport page​.
• Replace your passport on the Renew or replace your passport page. The government charges you £75.50 if you apply online, or £85 if you use a paper form​.

• If you are abroad but not traveling immediately (more than 6 weeks to travel), you can apply for a replacement passport to be delivered to you.
• If you are abroad and traveling imminently (within 6 weeks to travel), you can apply for emergency travel documents.
  Using this method includes passport cancellation procedures so you will not have to do it again.​

1. Contact your bank and let them know there has been an identity fraud incident​. The bank cancels your current checkbook and numbers, and issues you a new checkbook.
2. Make sure that you update any dependencies like automatic deposits​.

1. Go to the Replace a lost, stolen, damaged, or destroyed driving license page, and complete the online application process for the driving license.

   To complete the process, you need:​

• A valid UK passport or other form of identity​
• Addresses from where you have lived in the last 3 years​
• Knowing your National Insurance number and driving license number helps the process go faster​

2. Wait for your new license to arrive in the post. The process takes about one week.​

   NOTE: You can still drive without a physical license, as long as you have notified the Driver and Vehicle Licensing Agency (DVLA), or completed the process above.​

Or, you can call DVLA at 0300 790 6801 and go through this process over the phone.
You can also send a D1 form available at your local Post Office. If your local post office is too far or does not stock D1 forms, call 0843 479 9821 and have a DVLA representative send you a D1 form. This process takes about 3 weeks.

1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
3. Change logins, passwords, and PINs for your accounts​.

1. Place a fraud alert with one of the following credit bureaus:

• Experian, or call 888-397-3742​
• Transunion, or call 888-909-8872​
• Equifax, or call 800-685-1111​

2. Obtain a free credit report from www.annualcreditreport.com, or call 1-877-322-8228. Use this report to check if there are any other transactions that you don’t recognize.​

1. Take your credit report, your FTC identity theft report, government-issued ID with a photo (driver’s license or passport), proof of your address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on)
2. Print the Memo from FTC to Law Enforcement document.
3. Take the above to the police department and tell them that someone stole your identity and that you need to file a report​.
4. Ask for a copy of the police report​.

1. Use the FTC Identity Theft Report and call the fraud department of each business where an account was opened.
2. Explain that someone stole your identity​.
3. Ask the business to close the account​.
4. Make sure that the business sends you a letter confirming that the fraudulent account:​

• Is not yours​
• That you are not liable for it​
• That it was removed from your credit report​

5. Keep any documentation from these businesses in case a fraudulent account appears on your credit report later.​
6. Write down the name of who you contacted and when you contacted them.​

1. ​Call the fraud department of each business where fraudulent charges were accrued.​
2. Explain that someone stole your identity​.
3. Tell them which specific charges are fraudulent and to remove them​.
4. Ask the business to send you a letter confirming they have removed the fraudulent charges​.
5. Keep any documentation from these businesses in case your credit report is still affected by these charges later.​
6. Write down the name of who you contacted and when you contacted them.​

1. Write to each of the three credit bureaus. Here’s a sample letter.
2. Include a copy of the FTC Identity Theft Report, and proof of your identity, with Name, physical address, and SSN.
3. Explain which information on the report is due to identity theft, and ask them to block the information.

TransUnion.com​
Fraud Victim Assistance Department​    ​    ​
P.O. Box 2000​    ​
Chester, PA 19016​     ​
1-800-680-7289

Experian.com​
P.O. Box 9554
Allen, TX 75013
1-888-397-3742

Equifax.com​
P.O. Box 105069
Atlanta
GA 30348-5069​
1-800-525-6285 ​ ​

A credit freeze:

• Stops all access to your credit report unless you lift/remove it. ​
• Is free to place and remove. ​

This alert is not a replacement for Identity Monitoring. It does not prevent data breaches or leaks,
but it gives you a credit report every time a company takes steps to verify your identity. ​

Extended fraud alerts last for 7 years. ​

Contact each of the three credit bureaus and ask for an extended fraud alert.

1. Follow these steps to apply for a new SSN​.
2. If you think your SSN is being used for work, get a work history report by creating an account.​
3. If errors are found, contact your local Social Security office.

1. Write to the debt collector within 30 days of getting the collection letter.
   Here is a sample letter that you can use. ​
2. Contact the business where the fraudulent account was opened, and:

• Explain that this debt is not yours and to stop reporting this debt to credit bureaus.​
• Ask for information about the debt and how it happened. The business must comply and give you details if you ask.
  Here is a sample letter that you can use. ​
• Keep a note of who you contacted and when. Keep copies of any letters you send or receive from the business.​​

To replace your passport:​

• If you are traveling within the next two weeks: Make an appointment to apply in person at a Passport Agency.
• If you are traveling within next two weeks: Submit form DS-11 and DS-64 in person at an authorized Passport Application Facility.