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How to Report Identity Theft

Identity theft is when someone uses your personal information to open new accounts or make transactions in your name. If you believe you are a victim of identity theft, report it immediately and follow the steps below.

For data breaches, consider placing a credit freeze or fraud alert on your credit file with the three major credit bureaus. See more ways to help protect your identity after a data breach.

1. Contact Wells Fargo

Call us immediately at 1-800-869-3557

We accept all relay calls, including 711.

2. Download the Wells Fargo Identity Theft Repair Kit

The Identity Theft Repair Kit English (PDF) provides a resolution checklist to help you keep track of the companies and organizations you should contact when you believe you are a victim of identity theft.

3. Contact the major credit bureaus

Contact one of the three credit bureaus to place a fraud alert on your credit report. The credit bureau you contact will notify the others to add the fraud alert to your report. Fraud alerts are free and require companies to verify your identity before opening any new accounts in your name or changing any existing accounts.

Another option is to contact each of the credit bureaus to add a credit freeze. Freezing your credit prevents anyone but you from accessing your credit. That means you will need to temporarily lift the freeze in order to apply for new credit. 

Equifax: 1-888-298-0045 or www.equifax.com/freeze
Experian: 1-888-397-3742 or www.experian.com/freeze
TransUnion: 1-833-395-6938 or www.transunion.com/freeze

Request a free copy of your credit report from one of the bureaus or www.annualcreditreport.com.

4. Contact other creditors

Contact credit card companies, utility and phone providers, and other financial institutions to let them know of potential fraud or identity theft. Make sure that your personal information was not changed and consider adding extra security features like a PIN, password, or voice verification. Close any accounts that have been compromised and open new accounts with new passwords and PINs.

5. File a report with the local police

A police report provides proof of criminal activity which may help when contacting creditors to dispute charges or accounts opened in your name. Be sure to request a copy of the police report.