First Hawaiian Bank

Identity Theft

What to Do If You're A Victim

Act quickly. Place a fraud alert on your credit reports and review your credit reports. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. Contact any of the three credit bureaus to place a fraud alert on your account:

  • Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374

  • Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013

  • TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 9283

As soon as one credit bureau confirms your fraud alert, it will automatically notify the other two credit bureaus to place fraud alerts. Once the alert is placed, you may order a free copy of your credit report from all three major credit bureaus.

Review your credit reports carefully. Check that information like your Social Security Number, name, address, and employers are correct. If you find fraudulent or inaccurate information, contact the credit bureau to get it removed. Continue to check your credit reports for the first year after you discover the identity theft, to make sure no new fraudulent activity has occurred.

  1. Close the accounts that you know, or believe, have been tampered with or opened fraudulently. Call the security or fraud department of each bank or company. Follow it up in writing, and include copies (NOT originals) of supporting documents. It's important to notify credit card companies and banks in writing. Send your letters by certified mail, return receipt requested, so you can document what the company received and when. Keep a file of your correspondence and enclosures.

    Once you have resolved your identity theft dispute with the company, ask for a letter stating that the company has closed the disputed accounts and has discharged the fraudulent debts. This letter will help to protect you in the future if errors relating to this account reappear on your credit report or you are contacted again about the fraudulent debt.

  2. File a report with the police. Then get a copy of the police report, or at the very least, the number of the report. It can help you deal with creditors who need proof of the crime.

  3. File a complaint with the Federal Trade Commission. You can file a complaint online at http://www.ftccomplaintassistant.gov/ or call the FTC's Identity Theft Hotline toll-free at
    1-877-ID-THEFT (438-4338).

Additional Resources:

Fighting Identity Theft
(download the PDF)

Federal Trade Commission, ID Theft Affidavit
(download the PDF)

Sample Dispute Letters
(download the PDF)

 Download a more detailed checklist here.

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