Identity Theft

What to do if someone steals your ID

Identity Theft: Check and banking fraud

A Publication of the Privacy Rights Clearinghouse

7. Check and banking fraud.

If you have had checks stolen or bank accounts set up fraudulently, ask your bank to report it to ChexSystems, a consumer reporting agency that compiles reports on checking accounts. Also, place a security alert on your file (see web address below).

Your bank should be able to provide you with a fraud affidavit. Put "stop payments" on any outstanding checks that you are unsure about. Close your checking account and other affected accounts and obtain new account numbers. Give the bank a password for your account (not mother's maiden name, Social Security number, date of birth, pet's name, sequential numbers, or any other easily guessed words).

If your own checks are rejected at stores where you shop, contact the check verification company that the merchant uses. The major ones are listed here.

Under a new federal law, you now have a right to obtain any reports that these companies compile about you. For ChexSystems and any of the check verification companies listed here that you have had to contact as a result of your identity theft situation, we recommend that you request a copy of your file once a year. Make sure your file has been corrected. If not, you will find it difficult to open new bank accounts and/or write checks. Visit the web sites listed above to learn how to order your free annual reports. And read the PRC's guide on these "specialty reports." www.privacyrights.org/fs/fs6b-SpecReports.htm

 

 

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