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Resources Guide
 

For Residents of Maryland and North Carolina:  For information about fraud alerts, security freezes, and steps you
can take to protect against identity theft, contact the U.S. Federal Trade Commission (see contact information below), or as applicable: 

    Maryland’s Office of the Attorney General: 200 Saint Paul Place, Baltimore, MD 21202; Tel: (410) 576-6300;
    or visit: www.oag.state.md.us

    North Carolina’s Attorney General’s Office: 9001 Mail Service Center, Raleigh, NC 27699-9001; Tel: (919) 716-6400;
    Fax: (919) 716-6750; or visit: http://www.ncdoj.com


U.S. Federal Trade Commission (FTC):  The FTC has helpful information about how to avoid identity theft and
other steps that consumers can take to protect themselves.

       Write to:  Consumer Response Center, 600 Pennsylvania Ave., NW, H-130, Washington, D.C. 20580
       Call Toll-Free: 1-877-IDTHEFT (438-4338); or Visit: http://www.ftc.gov/idtheft


Free Annual Credit Report:  You may obtain a free copy of your credit report once every 12 months (or purchase
of obtain additional copies of your credit report).  Call Toll-Free:  1-877-322-8228; or Visit: 
https://www.annualcreditreport.com; or Contact any one or more of the national consumer reporting agencies:

    Equifax: P.O. Box 740241, Atlanta, GA 30374-0241 (800) 685-1111   www.equifax.com
    Experian: P.O. Box 2002, Allen, TX 75013 (888) 397-3742 www.experian.com
    TransUnion: P. O. Box 1000, Chester, PA 19022 (800) 888-4213 www.transunion.com

“Fraud Alerts” and “Security Freezes”  

Fraud Alert - You have the right to place a fraud alert in your file to alert potential creditors that you may be a victim of identity theft.  Creditors must then follow certain procedures to protect you; therefore, a fraud alert may delay your ability to obtain credit.  An “initial fraud alert” stays in your file for at least 90 days.  An “extended fraud alert” stays in your file for 7 years, and will require an identity theft report (usually, a filed police report).  You may place a fraud alert by calling any one of the three national consumer reporting agencies:

    Equifax: 1-800-525-6285                 Experian: 1-888-397-3742                 TransUnion: 1-800-680-7289

Security Freeze – Some U.S. states provide the right to place a security freeze on your credit file, which prevents credit, loans and services from being approved in your name without your consent.  Using a freeze may interfere with or delay your ability to obtain credit. To place a freeze, send a request by mail to each consumer reporting agency (addresses below) with the following (if you are requesting a credit report for your spouse, this information must be provided for him/her as well): (1) Full name, with middle initial and any suffixes; (2) Social Security Number; (3) Date of Birth; (4) Current address and any previous addresses for the past two years; and (5) Any applicable incident report or complaint with a law enforcement agency or the Registry of Motor Vehicles.  You must also include a copy of a government-issued identification card and a copy of a recent utility bill or bank or insurance statement. Each copy must be legible, display your name and current mailing address, and the date of issue. The credit reporting agency may charge a fee up to $5.00 to place, lift, and/or remove a freeze, unless you are a victim of identity theft or the spouse of a victim of identity theft, and you have submitted a valid police report relating to the identity theft incident to the consumer reporting agency.

    Equifax Security Freeze:  P.O. Box 105788, Atlanta, Georgia 30348
    Experian Security Freeze:  P.O. Box 9554, Allen, TX 75013
    TransUnion (Fraud Victim Assistance Division):  P.O. Box 6790, Fullerton, CA 92834-6790