What do I do if my identity has been stolen?
The first thing to do is to report the problem. If you believe that someone may have used your identity details to fraudulently obtain credit you should take the following steps and act immediately:
- Request a copy of your credit report to check that the information relates to applications for credit that you have in fact made.
- Contact any credit providers listed on your credit file to whom you have not applied for credit so that they can investigate and take appropriate and prompt action
- Contact Equifax (and other credit reporting bodies) to put a ban on your consumer credit information. The initial ban period is for 21 days and can be extended. This can help prevent fraudulent accounts being opened in your name. The ban period means that if a credit provider requests your credit report as part of an assessment of a credit application Equifax cannot share it unless you have provided written consent or if it is required by law. You can find out how to put a ban on your credit report here.
- Contact the police and report the crime
When dealing with a possible identity theft it is important to keep records of the conversations you have and keep notes, including:
- name/s of the individual
- contact number
- the date you spoke to an organisation
- details of the conversation.
You should also ask questions to the people you speak to so you can understand the process. Each credit provider may have their own processes for handling fraud. Note these requirements so you can comply.