Microsoft Word - Identity Theft Packet _Complete

West Jordan Police Department

Fraud / Identity Theft Victim’s Packet

Information and Instructions

This packet is to be completed once you have contacted West Jordan Police Department to obtain a police report

number related to your fraud/forgery or identity theft case. Once you obtain a report number, this packet must be

completed and turned into the West Jordan Police Department. You must also provide an affidavit of fraud/forgery

and an itemized transaction statement from the financial institute or credit card company affected by the fraud before

an Investigations detective can conduct any follow-up on your case. Itemized statements will list the names of all

debiting merchants next to each terminal entry and details all account activity pinpointing the exact location, date

and time that the card was scanned. This information is crucial in determining whether surveillance video can be

obtained during the transaction.

My West Jordan Police Department report number is:

# ____________________________________

(Please keep track of your report number as creditors, financial institutions and

credit reporting agencies will ask for it.)

This packet contains information to assist you in the correction of your credit and to help ensure that you are not

responsible for the debts incurred by the fraud / identity theft. In addition, this packet includes information that will

allow you to obtain financial records related to the fraudulent accounts and provide those records to law

enforcement, without which we cannot investigate for prosecution. We recognize that some victims are only

interested in the correction of their credit and do not necessarily want prosecution, therefore, we request that you

only submit this packet to West Jordan Police Department if you desire prosecution. It is important to understand

that if a suspect is identified and arrested and the case proceeds to court, you as the victim would mostly likely be

required to appear and testify.

Completion of Identity Theft letters that provide us with necessary documentation is required before we can begin

investigating your case for prosecution. In fraud / identity theft cases it is difficult to identify the suspect(s) as they

often use inaccurate information such as addresses and phone numbers. Often, the cell phones that identity thieves

use are non-traceable prepaid phones or opened with fraudulent information. Frequently the investigator cannot find

evidence to prove who used the victim’s name and or personal information over the phone or internet. **** It is

important to note that even if the suspect cannot be identified for prosecution it will not affect your ability to

correct the fraudulent accounts and remove them from your credit **** Furthermore, when you report your fraud

/ identity crime to the West Jordan Police Department, all of the relevant information from your case is entered into

our database which will allow us to cross-reference your report with potential suspects who are involved in or

arrested on other cases.

NOTE:

• If you suspect someone is using your personal information for employment and there is no evidence of

other identity fraud, please see section Other Possible Steps; Report a Misused Social Security Number.

Do not contact the employer directly as they may warn the suspect employee. It may not be necessary to

complete this packet.

• If your name and/or information are used by someone else to avoid a traffic citation or any criminal

prosecution, please contact the agency investigating the original crime. It may not be necessary to

complete this packet.

Helpful Hints:

• Remember that each creditor has different policies and procedures for correcting fraudulent accounts.

• Do not provide originals and be sure to keep copies of everything you provide to the creditors or

companies involved in the fraud / identity theft.

• Write down all dates, times, and the names of individuals you speak to regarding the fraud / identity theft

and correction of your credit.

Step 1: Call the companies where you know fraud occurred.

If the theft involved existing bank accounts (checking or savings accounts as well as credit or debit card) you

should do the following:

• Call the fraud department. Explain that someone stole your identity.

• Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree.

• Change logins, passwords, and PINs for your accounts.

Step 2: Place a fraud alert and get your credit reports.

 To place a free fraud alert, contact one of the three credit bureaus. That company must tell the other two. A

fraud alert lasts one year. It will make it harder for someone to open new accounts in your name. You’ll get

a letter from each credit bureau. It will confirm that they placed a fraud alert on your file.

•

Experian

Experian.com/help

888-397-3742

P.O. Box 9554

Allen, TX 75013

•

TransUnion

TransUnion.com/credit-help

888-909-8872

Fraud Victim Assistance Department

P.O. Box 2000

Chester, PA 19022-2000

•

Equifax

Equifax.com/personal/credit-report-services

800-685-1111

P.O. Box 105069

Atlanta, GA 30348-5069

Get updates at IdentityTheft.gov/creditbureaucontacts.

Get your free credit reports from Experian, TransUnion, and Equifax. Go to annualcreditreport.com or call 1-877-322-

8228.

Review your reports. Make note of any account or transaction you don’t recognize. This will help you report the theft to

the Federal Trade Commission (FTC) and the police.

Step 3: Report identity theft to the Federal Trade Commission.

Go to IdentityTheft.gov or call 1-877-438-4338. Include as many details as possible. Based on the information

you enter, IdentityTheft.gov will create your Identity Theft Report and recovery plan.

Step 4: Begin to repair the damage.

Close new accounts opened in your name.

 Now that you have an Identity Theft Report, call the fraud department of each business where an account

was opened.

• Explain that someone stole your identity.

• Ask the business to close the account.

• Ask the business to send you a letter confirming that:

 the fraudulent account isn’t yours o

 you aren’t liable for it

 it was removed from your credit report

• Keep this letter. Use it if the account appears on your credit report later.

 Write down who you contacted and when.

Remove bogus charges from your accounts.

 Call the fraud department of each business.

• Explain that someone stole your identity.

• Tell them which charges are fraudulent. Ask the business to remove the charges.

• Ask the business to send you a letter confirming they removed the fraudulent charges.  Keep

this letter. Use it if the account appears on your credit report later.

 Write down who you contacted and when.

Correct your credit report.

 Write to each of the three credit bureaus. Sample letters can be found in this packet.

• Include a copy of your Identity Theft Report and proof of your identity, like a copy of your

driver’s license or state ID.

• Explain which information on your report is fraudulent.

• Ask them to block that information. Mail your letter to:

 Experian

P.O. Box 9554

Allen, TX 75013

 TransUnion

Fraud Victim Assistance Department

P.O. Box 2000

Chester, PA 19022-2000

 Equifax

P.O. Box 105069

Atlanta, GA 30348-5069

If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is

called blocking. Once the information is blocked, it won’t show up on your credit report, and companies can’t try

to collect the debt from you. If you have an Identity Theft Report, credit bureaus must honor your request to block

fraudulent information. Use the sample letter in the packet to block information.

If you don’t have an Identity Theft Report, you still can dispute incorrect information in your credit file. It can take

longer, and there’s no guarantee that the credit bureaus will remove the information. To dispute information without

an Identity Theft Report, contact each credit bureau online or by phone.

Sample Letters and Memo

 Sample letters can be found in this packet. Additional letters are available at

IdentityTheft.gov/sample-letters.

• Identity Theft Letter About a Fraudulent Account – this sample letter will help you dispute and

close a fraudulent account that was opened by an identity thief.

• Identity Theft Letter About Fraudulent Charges to Your Account – this sample letter will help you

dispute fraudulent charges on your accounts.

• Identity Theft Letter to a Credit Bureau – this sample letter will help remove inaccurate

information on your credit report.

• Identity Theft Letter to Debt Collector – this sample letter will help you request that a debt

collector stop collecting debts that you don’t owe.

 Memo “Notice to Furnishers of Information” can be found in this packet.

• All furnishers of information to consumer reporting agencies must comply with all applicable

regulations. Information about applicable regulations currently in effect can be found at the

Consumer Financial Protection Bureau’s website, consumerfinance.gov/learnmore.

File a report with your local Police Department

West Jordan Police Department

8040 S. Redwood Rd.

West Jordan, Utah 84088

801-256-2000 / Dispatch 801-840-4000

File a report with West Jordan Police Department by contacting VECC at 801-840-4000. Provide

West Jordan Police Department will all information regarding the Identity Theft / Fraud including but

not limited to a copy of your FTC Identity Theft Report, government issued ID with photo, proof of your address,

and any other proof you have of the theft.

To avoid confusion and to ensure that all items are forwarded to the assigned detective, we request that

you submit everything at once. Be sure to reference your police report number on all items submitted.

The information can be hand delivered or mailed. Please remember that some victims are only interested

in the correction of their credit and do not necessarily wish for prosecution. Therefore, we request that

you only submit this packet to West Jordan Police Department if you desire prosecution and would be

willing and available to appear and testify should a suspect be identified and arrested.

Other Possible Steps

Depending on your situation, you might need to take additional steps

United States Postal Inspection Service – If you are a victim of a mail-related crime, alert the Postal

Inspector online at uspis.gov or by phone at 877-876-2455.

Report a Misused Social Security Number – If you suspect someone else is using your Social Security

number for work, review your Social Security work history by creating an account at ssa.gov/myaccount.

If you find errors, contact your local Social Security Administration (SSA) office.

Stop debt collectors from trying to collect debts you don’t owe – Write to the debt collector within 30 days

of getting the collection letter. The sample letter can help. Tell the debt collector someone stole your identity,

and you don’t owe the debt. Send copies of your Identity Theft Report and any other documents that detail

the theft.

Replace Government-issued IDs – Get a free replacement Social Security card by applying online at

ssa.gov/ssnumber. To replace a lost or stolen Utah Driver License you must appear at a Driver License

office. To see what required documentation you need visit dld.utah.gov. If you need to replace your passport,

call the State Department at 1-877-487-2778 or visit travel.state.gov.

Sample Letter – Identity Theft Letter About a Fraudulent Account

[Date]

[

Your Name]

[Your Address]

[Your City, State, Zip Code]

[

Name of Company]

[Fraud Department]

[Address]

[City, State, Zip Code]

: [Your Account Number (if known)]

Dear Sir or Madam:

am a victim of identity theft. I recently learned that my personal information was used to open an account at

your company. I did not open or authorize this account, and I request that it be closed immediately. Please send

me written confirmation that I am not responsible for charges on this account and take appropriate steps to

remove information about this account from my credit files.

have enclosed a copy of my Identity Theft Report and proof of my identity. I also have enclosed a copy of the

Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit

bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent

debts to credit bureaus.

he Notice also states that if a credit bureau notifies you that information you provided may be the result of

identity theft, you must stop reporting the inaccurate information and you cannot attempt to sell or transfer the

fraudulent debts to another party for collection.

lease send me a letter explaining your findings and actions.

incerely,

[

Your Name]

nclosures: [List what you are enclosing]

• Identity Theft Report

• Proof of Identity [a copy of your driver’s license or state ID]

• Notice to Furnisher of Information

Sample Letter – Identity Theft Letter About Charges to Your Account

[

Date]

[

Your Name]

[Your Address]

[Your City, State, Zip Code]

[

Name of Company]

[Fraud Department]

[Address]

[City, State, Zip Code]

RE: [Your Account Number (if known)]

Dear Sir or Madam:

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account:

• [list charges, amounts, and dates of fraudulent transactions]

did not make the charges listed above. I request that you remove all fraudulent charges and any related fees,

send me an updated and accurate statement and close the account. I also request that you stop reporting the

inaccurate information to credit bureaus.

have enclosed my Identity Theft Report and proof of my identity. I also have enclosed a copy of the Notice to

Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of

identity theft, you must stop reporting the inaccurate information and you cannot attempt to sell or transfer the

fraudulent debts to another party for collection.

lease investigate this matter and send me a written explanation of your findings and actions.

incerely,

[Your Name]

nclosures: [List what you are enclosing]

• Identity Theft Report

• Proof of Identity [a copy of your driver’s license or state ID]

• Notice to Furnisher of Information

Sample Letter – Identity Theft Letter to a Credit Bureau

[Date]

[

Your Name]

[Your Address]

[Your City, State, Zip Code]

(

Write to each relevant credit bureau, one at a time:)

xperian TransUnion Equifax

P.O. Box 9554 or Fraud Victim Assistance Department or P.O. Box 105069

Allen, TX P.O. Box 2000 Atlanta, GA 30348-5069

Chester, PA 19022-2000

RE: [Your Account Number (if known)]

Dear Sir or Madam:

am a victim of identity theft. The information listed below, which appears on my credit report, does not

relate to any transaction(s) that I have made. It is the result of identity theft.

[

Identify items(s) resulting from the identity theft that should be blocked, by name of the source, such as the

credit card issuer or bank, and type of item, such as a credit account, checking account, etc.]

have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report

showing fraudulent items.

lease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act

and send the required notifications to all furnishers of this information.

I appreciate your prompt attention to this matter and await your reply.

incerely,

[Your Name]

nclosures: [List what you are enclosing]

• Identity Theft Report

• Proof of Identity [a copy of your driver’s license or state ID]

• Copy of Credit Report

Sample Letter – Identity Theft Letter to a Debt collector

[Date]

[

Your Name]

[Your Address]

[Your City, State, Zip Code]

[

Name of Company]

[Fraud Department]

[Address]

[City, State, Zip Code]

: [Your Account Number (if known)]

I am a victim of identity theft. An identity thief used my personal information without my permission to

make purchases with [name of business where account was opened]. This debt is not mine. I have enclosed proof

of my identity and a copy of my Identity Theft Report.

n accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection

activities about this debt and stop reporting it to credit bureaus. I also ask that you tell the business where the

account was opened that this debt is the result of identity theft.

have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair

Credit Report Act (FCRA). The FCRA requires that debt collectors give an identity theft victim documents related

to an account if the victim asks. Please send me copies of all records relating to the account, including:

• Account applications made on paper, online, or by telephone.

• Account statements or invoices.

• Records of payment or charge slips.

• Delivery addresses associated with the account.

• Records of phone numbers used to activate or access the account.

• Signatures on applications and accounts.

• Investigator’s report.

Please send me a letter explaining what you have done to:

• Inform the business where the account was opened that the debt is the result of identity theft.

• Stop collection activities against me.

• Stop reporting information about the debt to credit bureaus.

• If you’ve already reported the debt to credit bureaus, notify them that the debt is the result of identit

eft.

• Provide me with the records I request.

• Thank you for your cooperation.

incerely,

[Your Name]

nclosures: [List what you are enclosing]

• Identity Theft Report

• Proof of Identity [a copy of your driver’s license or state ID]

• Notice to Furnisher of Information

NOTICE TO FURNISHERS OF INFORMATION

OBLIGATIONS OF FURNISHERS UNDER THE FCRA

The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681-1681y, imposes responsibilities on all persons

who furnish information to consumer reporting agencies (CRAs). These responsibilities are found in Section 623

of the FCRA, 15 U.S.C. § 1681s-2. State law may impose additional requirements on furnishers. All furnishers of

information to CRAs should become familiar with the applicable laws and may want to consult with their counsel

to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial

Protection Bureau (CFPB): consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced

to the U.S. Code is at the end of this document.

ection 623 imposes the following duties upon furnishers:

ccuracy Guidelines

The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of

information provided to CRAs by furnishers. Federal regulations and guidelines are available at

consumerfinance.gov/learnmore. Section 623(e).

General Prohibition on Reporting Inaccurate Information

The FCRA prohibits information furnishers from providing information to a CRA that they know or have

reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if I

clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that if certain

information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C).

uty to Correct and Update Information

If at any time a person who regularly and in the ordinary course of business furnishes information to one or

more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly

provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that

received the information of any corrections and must thereafter report only the complete and accurate

information. Section 623(a)(2).

Duties After Notice of Dispute from Consumer

If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific

information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the

correct information to CRAs. Section 623(a)(1)(B).

f a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information

reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing

notice of the dispute. Section 623(a)(3).

urnishers must comply with federal regulations that identify when an information furnisher must investigate a

dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an

investigation within 30 days (or 45 days if the consumer later provides relevant additional information) unless the

dispute is frivolous or irrelevant or comes from a “credit repair organization.” The CFPB regulations will be

available at consumerfinance.gov. Section 623(a)(8).

Duties After Notice of Dispute from Consumer Reporting Agency

If a CRA, notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by

the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must:

• Conduct an investigation and review all relevant information provided by the CRA, including informati

ven to the CRA by the consumer. Sections 623(b)(1)(A) and (b)(1)(B).

• Report the results to the CRA that referred the dispute, and, if the investigation establishes that the

information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the

furnisher provided the information that compile and maintain files on a nationwide basis. Section

623(b)(1)(C) and (b)(1)(D).

• Complete the above steps within 30 days from the date the CRA receives the dispute (or 45 days if the

consumer later provides relevant additional information to the CRA). Section 623(b)(2).

• Promptly modify or delete the information or block its reporting. Section 623(b)(1)(E).

uty to Report Voluntary Closing of Credit Accounts

If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of

business furnishes information to one or more CRAs must report this fact when it provides information to

CRAs for the time period in which the account was closed. Section 623(a)(4).

uty to Report Dates of Delinquencies

If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or

loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information,

provide the CRA with the month and the year of the commencement of the delinquency that immediately

preceded the action, so that the agency will know how long to keep the information in the consumer’s file.

Section 623(a)(5).

ny person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that

reports information to CRAs may comply with the requirements of Section 623(a)(5) (until there is a consumer

dispute) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report

this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report

delinquency dates, or, if a delinquency date cannot be reasonably obtained, by following reasonable procedures to

ensure that the date reported precedes the date when the account was placed for collection, charged to profit or

loss, or subjected to any similar action. Section 623(a)(5).

uties of Financial Institutions When Reporting Negative Information

Financial institutions that furnish information to “nationwide” consumer reporting agencies, as defined in

Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a

CRA, Section 623(a)(7). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.

uties When Furnishing Medical Information

A furnisher whose primary business is providing medical services, products, or devices, (and such furnisher’s

agents or assignees) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to

which it reports of this fact. Section 623(a)(9). This notice will enable CRAs to comply with their duties under

Section 604(g) when reporting medical information.

uties when ID Theft Occurs

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information

furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may

not furnish information that a consumer has identified as resulting from identity theft unless the furnisher

subsequently knows or is informed by the consumer that the information is correct. Section 623(a)(6). If a

furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the

correct information and must thereafter report only complete and accurate information. Section 623(a)(2). When

any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has

resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain

limited circumstances. Section 615(f).

he CFPB’s website, consumerfinance.gov/learnmore, has more information about the FCRA, including

publications for businesses and the full text of the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1681 et seq.:

Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m

Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n

Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o

Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p

Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q

Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r

Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s

Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1

Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2

Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t

Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u

Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v

Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w

Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x

Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y

NOTICE TO FURNISHERS OF INFORMATION

OBLIGATIONS OF FURNI

SHERS UNDER THE FCRA

West Jordan Police Department

Identity Crime / Fraud Investigative Protocol

Case # ___________________________________ Date _________________________

Name of Victim: _______________________________________________________________

Obtain Personal Identifying Information (SS, DL, Employer, E-mail, etc.)

1. What is the best time to reach you at home? ____________________________________

2. How did you become aware of the identity crime / fraud?

________________________________________________________________________

3. On what date did you first become aware of the identity crime / fraud? _________________

4. When did the fraudulent activity begin? _______________________________________

5. What is the full name, address, date of birth, and any other identifying information used in the

fraudulent activity?

6. List all fraudulent activity chronologically that you are aware of to date, with the locations, applications,

nd purchases – please be concise. The bank or Visa company should be able to provide a transaction

list which provides an itemized list of the transaction history such as date/time/location.

7. What documents and identifying information were stolen and/or compromised?

________________________________________________________________________

8. To the best of your knowledge, what identity crime / fraud has been committed as of this time?

_________

_______________________________________________________________

9. What circumstances and activities have occurred in the past six months (include activities by you or on

your

behalf by a member of your family or friend)?

10. How many purchases have you made over the internet in the last six months? _________

11. What internet sites have you purchased from?

12. Who has your Social Security number been given to in the last six months?

________________________________________________________________________

13. Do your personal checks have your Social Security and/or Driver’s License number printed on them?

________________________________________________________________________

14. Have you written your Social Security and/or Driver’s license number on any checks, or has a retailer

written them on your check(s)?

________________________________________________________________________

15. Do you own a business that might be affected by identity crime / fraud?

________________________________________________________________________

16. Do you have any suspect information? ________________________________________

17. How do you believe the crime / fraud occurred?

18. Please list all the banks you have accounts with (note any that have reported fraudulent charges).

19. Please list all the banks and credit card companies you have credit cards with (note any that have

eported fraudulent charges).

20. Please list all the utility companies you have accounts with (note any that have reported fraudulent

charges).

21. Please list all financial institutions you have accounts with (loans, leases mortgages, etc. – note any that

have reported fraudulent charges).

22. Please list any merchants you have credit accounts with (note any that have reported fraudulent

charges).

23. List any financial institutions where a fraudulent account was opened in your name or with other

personal identifiers.

24. L

ist any documents obtained fraudulently using your name or personal identifiers.

25. Have you contacted and obtained a Fraud Alert and credit report from the major credit reporting

ganizations?

____________________________________________________________________________

26. Have you contacted any financial institutions concerning legitimate or fraudulent accounts?

____________________________________________________________________________

27. Have you entered your case on the Federal Trade Commission website https://www.identitytheft.gov/#/?

____________________________________________________________________________