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Identity Theft Basics

contacting you before authorizing new or additional credit.

places a fraud alert on your Equifax credit file (and referred to the other nationwide credit reporting agencies) and automatically renews every 90 days.

Visit www.equifax.com to learn more about Equifax identity and credit monitoring products.

n IV. Victims’ Rights

Equifax Fraud Alert Phone Number: 1-888-766-0008 Or go online: www.alerts.equifax.com

transactions and accounts that resulted from the theft of your identity, if you ask for them in writing and include the information required to respond to your request. You will be required to provide proof of your identity and proof of your claim of identity theft (including both a police report and an affidavit) before a business can give you this information.

If you have been a victim of identity theft, you have certain rights. Here is a brief summary of the rights designed to help you recover from identity theft:

Fraud alerts

You have the right to ask that the major credit reporting agencies place a “fraud alert” in your file to let potential creditors and others know that you may be a victim of identity theft. There are two types of fraud alerts: an initial fraud alert that lasts for 90 days and an extended fraud alert that lasts for 7 years. You can place an initial fraud alert on your Equifax credit file 24 hours a day, 7 days a week online by going to www.alerts.equifax.com or by calling our auto fraud line at 1-888-766-0008 and following the prompts. Once placed with Equifax, the other two major credit reporting agencies, Experian and TransUnion, will be notified as well. You may place an extended 7-year alert by writing to Equifax or to one of the other nationwide credit reporting companies and providing an Identity Theft Report, as well as a day and evening telephone number. The requirements for an Identity Theft Report are listed on the FTC’s web site at www.ftc.gov. The extended alert removes your name from pre-screened offers of credit for 5 years. If you currently subscribe to Equifax Complete Premier, you may use the free Automatic Fraud Alert feature within your product which

Credit report

When you place a fraud alert on your credit file, you have the right to free copies of the information in your file (your “file disclosure”). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. You can obtain your free fraud alert credit file disclosure from Equifax at www.alerts.equifax.com

You also have a right to obtain a free copy of your credit report once every 12 months from each of the major nationwide consumer reporting companies. To order your free annual report from one or all the national consumer reporting companies, visit www.annualcreditreport.com, call toll- free 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Fraudulent information

You have the right to obtain certain documentation relating to fraudulent transactions or to accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to

Reporting information to consumer reporting agencies

You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported, to provide an identity theft report, and to write a letter explaining that the information that they are reporting resulted from identity theft. Note that the information provider may continue to report the information if later it is learned that the information does not result from identity theft.

Blocking consumer reporting agencies from reporting information in your credit file

If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your credit report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block and provide

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