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Message from The Attorney General
Dear
Consumer:
The Identity Theft Passport Act, found at 11
Del.C. '854A, provides victims of identity theft with a way
to substantiate the crime to creditors and law enforcement. If you have been the victim of an identity thief, you have a new way to fight back and reclaim your identity. The Attorney General and his Office are
ready to help you with this process.
Identity theft occurs when a criminal steals a person's confidential information such as Social Security Number,
birth date, credit card numbers or bank account information. Criminals use stolen information to obtain false drivers' licenses, utility services, credit cards, loans, government benefits, merchandise, and more. Stolen identities are also used to defraud consumers, commit crimes and avoid arrest.
Now victims of identity theft can present their passports to law enforcement agencies to help prevent arrest for
offenses committed by someone using stolen information, to creditors to aid in the investigation of fraudulent charges, and to consumer reporting agencies as official notice of disputed charges on credit reports.
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Step 1: Promptly report the fraud to
the police.
To be eligible for a passport, you must file a report with the police agency that has jurisdiction over your
residence. You can apply for a passport at the same time you file your report with the police. You can also apply for a passport through the Attorney General's Consumer Protection Unit but only if you have first reported the crime to the police.
Click
here for the Application Form.
The police will forward your application to Consumer Protection. If you apply through Consumer
Protection, in addition to your application you will need to give us the police report number and name of the
police agency that took the report and any documentation you have of the crime such as credit card statements showing unauthorized purchases.
The Consumer Protection Unit will log in your application and then send it to the Criminal Division for an
evaluation and determination of whether the claim is legitimate and adequately substantiated. Under the law, this
determination must be made before a passport may be issued. You will be notified when the determination has been
made. If your application is approved, we will make an appointment for you to complete the passport process at the
Attorney General's Office most convenient for you. At that time, a laminated card with your photo and a certificate will be issued. You will also receive a copy of the rules that include information about the use, expiration, and replacement of the passport.
For more information about Identity Theft Passports, call Consumer Protection at 800-220-5424.
Step 2: Promptly report the
fraud to the three major credit bureaus.
Because identity thieves often attempt
to obtain credit under your identity, it is important to
promptly contact the three major credit bureaus to report
the fraud. The three major credit bureaus may be contacted
as follows:
Equifax: (800) 525-6285
Experian: (888) 397-3742
TransUnion: (800) 680-7289
Ask each credit bureau to take a report,
and to place a "fraud alert" on your
credit report. Also, ask each credit bureau to send you a
copy of your credit report, so you can determine the
extent of any unlawful credit activity that may have taken
place using your identity.
If you already have a police report,
file number or complaint number from your local law
enforcement agency, you may want to give that information
to the three major credit bureaus as well, to help them
investigate any disputed accounts or other reports of
fraud.
Step 3: Contact the Fraud
Department of each of your creditors and bank accounts.
Collect all your credit cards, bank
accounts and other creditor information (such as
utilities, cable, etc.) and their "fraud"
departments. Report the fraud to each creditor, even if
that particular creditor has not been the subject of
fraud, to ensure the creditor knows that an identity thief
may have your account information. Ask each creditor to
place a "fraud alert" on your account.
If there are charges on your accounts
that are illegal, most creditors will also ask you to
submit a written report of the fraud, along with a police
report, complaint number or file number from law
enforcement. You may use the enclosed Identity Theft
Affidavit as part of your written report, to make
sure you include all the necessary information. Many
creditors will ask you to submit such an Affidavit within
two weeks of your report of fraud, so you need to act
promptly.
Step 4: Report the fraud to the
Federal Trade Commission.
The Federal Trade Commission
("FTC") maintains a confidential, national
Identity Theft database, and may also be able to assist in
pursuing identity thieves through federal channels. They
may be contacted by calling 1-877-438-4338. (Hearing impaired consumers
may call (800) 653-4261.
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