If they do none of these, then get an attorney and threaten or take legal action against them. Therefore, by law, now that they know that the account is controlled by someone who is not you, they are required to either disable the account, block the account from lifting or removing your security freeze or viewing your credit report, or transfer the account to you. Cite that 1) the account is currently controlled by an identity thief, 2) the account is capable of unfreezing your Equifax credit report, and 3) that the Fair Credit Reporting Act requires that they properly verify one's identity prior to lifting a freeze.Īdditionally, the account can also be used to obtain a copy of your consumer disclosure report, which under the Fair Credit Reporting Act, the credit bureau can only supply if they reasonably believe that it is being requested by the consumer or an authorized representative or the requester has permissible purpose (neither of which apply to the identity thief). This allows you to speak with a representative who can guide you through the process and address any questions or concerns you may have. Equifax Security Freeze, PO Box 105788, Atlanta, GA 30348,. Senior citizens 65 years of age and older. You can learn more about security freezes and freezing your Experian credit file on our blog. There is no fee to place or lift a security freeze. The credit reporting agency may charge up to 10 each time it places, removes or temporarily lifts a security freeze. Copy of a utility bill, bank or insurance statement, etc. Copy of a government issued identification card, such as a driver's license, state ID card, etc. At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Equifax and the Equifax marks used herein are trademarks. Complete addresses for the past two years. Security freezes (also known as credit freezes) are federally regulated and allow you to place, temporarily lift or permanently remove a freeze with a username and password. If you ask them to transfer the account to you, include in the letter a desired email address, phone number, and temporary password that they may use. Privacy Policy Terms of Use Ad Choices Copyright 2023 Equifax Inc. Unlike a fraud alert, you must separately place a security freeze on your credit file at each credit reporting company. If you ever need to take out a loan or want a new credit card, you can lift the freeze for a short time period to allow the creditor to check the credit bureau. In the case of Equifax, you'll probably have to send a letter to them by Certified Priority mail requesting that the account is either shut down or ownership is transferred to you. There is no fee to place or lift a security freeze. In the case of Experian, you can call them and request that they "cancel" the account.
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