What Can I do if Someone Fraudulently Applies for a Credit Card in my Name?
If a fraudulent credit card application was completed in your name, you should immediately report the fraud to the issuing credit card company's fraud department.
Next, contact the consumer fraud victim assistance office at one of the three major credit-reporting services (Equifax, Experian, or Trans Union). You have the right to ask them to place a fraud alert in your file to inform potential creditors and others that you may be a victim of identity theft.
TIP: Ask 1 of the 3 credit reporting companies to put a fraud alert on your credit report. They must tell the other 2 companies – make sure to confirm that this will be done. A fraud alert is free, but you must provide proof of your identity.
A fraud alert can make it more difficult for someone to get credit in your name, because it tells creditors to follow certain procedures to protect you. However, it also may delay your ability to obtain credit.
You may have additional rights available to you under the Fair Credit Reporting Act, including the right to receive a free credit report. For additional information, visit the Federal Trade Commission's website.
You should also fill out and submit the Identity Theft Complaint Form online, to lodge a complaint with the U.S. Postal Inspection Service.
See related information on Mail Theft, Identity Theft, and Mail Fraud.