Steps to Take if Your Data Becomes Compromised or Stolen

ExpandCredit Reporting Agencies

If you have reason to believe your personal information has been compromised or stolen, contact the Fraud Department of one of the three major credit bureaus listed below.

  • Equifax
    Direct Line for reporting suspected fraud:
    800-525-6285
    Fraud Division
    P.O. Box 740250
    Atlanta, GA 30374
    800-685-1111 / 888-766-0008
    http://www.equifax.com
  • Experian
    Direct Line for reporting suspected fraud:
    888-397-3742
    Credit Fraud Center
    P.O. Box 1017
    Allen, TX 75013
    888-EXPERIAN (888-397-3742)
    http://www.experian.com
  • Trans Union
    Direct Line for reporting suspected fraud:
    800-680-7289
    Fraud Victim Assistance Department
    P.O. Box 6790
    Fullerton, CA 92634
    Phone: 800-916-8800 / 800-680-7289
    http://www.transunion.com

When contacting the Credit Reporting Agency, you should request the following:

1. Instruct them to flag your file with a fraud alert including a statement that creditors should get your permission before opening any new accounts in your name.

2. Ask them for copies of your credit report(s). (Credit bureaus must give you a free copy of your report if it is inaccurate because of suspected fraud.) Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts.

NOTE: In order to ensure that you are issued free credit reports, we strongly encourage you to contact the agencies DIRECT LINE (listed above) for reporting fraud. We do not recommend that you order your credit report online.

3. Be diligent in following up on your accounts. In the months following an incident, order new copies of your reports to verify your corrections and changes, and to make sure no new fraudulent activity has occurred.

4. If you find that any accounts have been tampered with or opened fraudulently, close them immediately. To ensure that you do not become responsible for any debts or charges, use the ID Theft Affidavit Form developed by the Federal Trade Commission to help make your case with creditors.

ExpandSocial Security Administration

SSA Fraud Hotline: 800-269-0271
http://www.ssa.gov/

If you are the victim of a stolen Social Security number, the SSA can provide information on how to report the fraudulent use of your number and how to correct your earnings record. We encourage you to contact the Fraud Hotline immediately once you suspect identity theft.

The website also provides tips on using and securing your Social Security number. Visit the SSA website for advice on keeping your number safe.

ExpandID Theft Clearinghouse

1-877-ID-THEFT (1-877-438-4338)

Call the ID Theft Clearinghouse toll free at to report identity theft. Counselors will take your complaint and advise you how to deal with the credit-related problems that could result from identity theft.

ExpandLocal Law Enforcement

It is important that you report identity theft to the MSU Police department at 662-325-2121, as well as your local police department, as soon as you become aware that you are a victim. Get a copy of the police report which will assist you when notifying creditors, credit reporting agencies and if necessary, the Social Security Administration (SSA).