An Identity Theft Report is a document that is filed at a police station with another law enforcement authority by a consumer who believes they are a victim of identity theft. Unlike your credit report which will show you what a lender sees when they are considering you for a loan or a line of credit which could help alert you to signs of identity theft‚ an identity theft report is created after an identity theft incident has allegedly occured.
If you become a victim of identity theft‚ you'll need to complete an identity theft report which will include a wide array of details about howyour identity has been compromised‚ including‚ but not limited to‚ details from your credit report.
Public Record Reports
Court reports and other public records can include certain activity taking place in your name. These documents may be used as evidence and included in your identity theft report. Legal entanglements that your name appears to be involved in — an arrest or court appearance‚ for example — might be documented and displayed‚ and should it turn out that you actually aren’t involved‚ you can take steps to clear up the situation and use these documents to support those efforts.
An identity theft services provider might keep an eye on certain places on the Internet where your Social Security number might appear so that you’ll know if it has found its way onto a website where it may be vulnerable to theft — or‚ perhaps‚ someone has already compromised it. If these sites can be identified‚ the URLs and other details should be included in your Identity Theft Report.
One a consumer has an Identity Theft Report‚ they can use it to block fraudulent information from getting onto a credit report; to place an extended fraud alert requiring creditors to contact the consumer directly before approving new credit extensions; and to prevent any associated debt from being sold‚ transferred or placed for collection.