ITRC Solution 3
Contacting the Credit Reporting Agencies to Place a Fraud Alert 

Follow these steps when placing a fraud alert with the three major credit reporting agencies:

  • Please use the report fraud phone numbers from each credit reporting agency (CRA) listed below to place a fraud alert on your credit report. We recommend that you call all three credit reporting agencies because they may have different information listed on each report.
  • These will be automated systems, please listen for the prompt for the fraud alert.
  • The automated system will ask identifying questions, such as your name, Social Security Number, address number, and date of birth. This is to verify your identity.
  • If you are successful in placing the fraud alert on your credit report, you will receive a confirmation number immediately or you will receive a notification letter by mail within the next 10 to 14 business days.
  • On your notification letter, there will be a telephone number to request a free copy of your credit report. Please contact the CRAs immediately to obtain these reports.
  • You are not successful in placing the fraud alert if the automated system asks for you to write to them with documentation. This is common for victims of identity theft. The credit reporting agencies usually require a copy of a current utility bill, copy of your current driver’s license or a state ID, and a letter with your full name, Social Security Number and date of birth, requesting a fraud alert be placed. You will also want to request your free credit report in the letter. Please refer to ITRC Letter Form LF 124C - Request a 90-Day Fraud Alert
    • Send the letter certified mail with return receipt.

Equifax

General Information call: (800) 685-1111
www.equifax.com

To place a Fraud Alert call: (888) 766-0008

Or write to:
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241

Or place a fraud alert online using their online fraud alert webpage.

Experian

General Information call: (888) 397-3742
www.experian.com

To place a Fraud Alert call: (888) 397-3742

Or write to:
Experian
P.O. Box 9554
Allen, TX 75013-0949

Or place a fraud alert online using their online fraud alert webpage.

TransUnion

General Information call: (800) 916-8800
www.transunion.com

To place a Fraud Alert call: (800) 680-7289

Or write to:
TransUnion LLC  
PO Box 2000
Chester, PA 19016

Or place a fraud alert using their online fraud alert webpage.

Fraud victims can also email This email address is being protected from spambots. You need JavaScript enabled to view it., but we recommend that you do not send Social Security numbers via email if avoidable.

Related Links:

ITRC Fact Sheet FS 100 - Financial Identity Theft: The Beginning Steps

ITRC Fact Sheet FS 124 - Credit Freezes and Fraud Alerts

ITRC Fact Sheet FS 125 - Federal Annual Free Credit Report

ITRC Fact Sheet FS 128 - How to Read Your Credit Report
 

This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it..

 

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