Preventing Identity Theft
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In today’s high-tech, fast-paced society, identity theft is unfortunately becoming increasingly common. Available on my website are resources to assist constituents who believe that they may be victims of identity theft. My office can also provide information about steps that individuals can take to proactively protect themselves from identity theft and what can be done to protect your credit information from potentially fraudulent use.

If you require additional information or assistance, please feel free to contact my Champaign Office at (217) 403-4690.

Resources

Deter, Detect, Defend, Avoid ID Theft 
The Federal Trade Commission (FTC) provides information to help you avoid identity theft, as well as detailed information about the actions you can take if your identity has been stolen or if you believe your personal information may have been compromised. 

U.S. Postal Inspection Service 
Under the topic “Consumer Awareness,” you will find detailed information about identity theft involving the U.S. Mail, steps to take to protect yourself, and information regarding how to file a complaint. 

Frequently Asked Questions

What is identity theft?
Identity theft occurs when someone obtains your personal information - such as your name, date of birth, Social Security Number, or bank or credit card account numbers - without your permission. Identity fraud occurs when another individual uses your personal information to commit fraud or another crime, for example, opening a bank or credit account, writing bad checks, or taking out a loan using your information. 

How can I prevent becoming a victim of identity theft and what steps can I take if I believe someone has accessed my personal information?
While it’s impossible to entirely control whether or not you will become a victim of identity theft, there are several steps you can take to minimize your risk.

The web sites listed below contain helpful information about how to prevent becoming a victim of identity theft, as well as steps you should take if you believe your personal information has been compromised:

            The U.S. Postal Inspection Service website on identity theft.

The Federal Trade Commission (FTC) website on how to “Deter, Detect, Defend” against identity theft, as well as steps to take if you become a victim.

The FTC's website on how to protect your credit.

The Social Security Administration's website on how to protect your Social Security number and card.

Where do I file a complaint if I believe I am the victim of identity theft?
The toll-free hotlines listed below can provide information about what to do if you believe that your personal information has been accessed and/or used by another individual:

The Federal Trade Commission Consumer Information Hotline at 1-877-382-4357
The Federal Trade Commission's Identity Theft Helpline at 1-877-438-4338

How can I obtain a free copy of my credit report?
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide individuals with a free copy of their credit report, at their request, once every 12 months.

To order a copy of your credit report, visit AnnualCreditReport.com, or by calling 1-877-322-8228.

AnnualCreditReport.com is the only website authorized to fill orders for the free annual credit report. Please note that, as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FCRA.