Identity Theft

Your identity is one of your most valuable assets. Identity Theft occurs when someone uses your name, address, social security number, credit card or financial account numbers, and/or passwords of other personal information without your knowledge to commit fraud.

Tips to Protect Yourself from Identity Theft

View Identity Theft Protection Presentation

Who should I notify if I think I am a victim of Identity Theft?

  • Contact the three national credit bureaus (Experian, Equifax, and Transunion) and ask them to attach a “fraud alert” to your credit file. Each has a website and a toll-free number, listed below.
  • Contact all your creditors (by phone and in writing) to inform them of the problem.
  • Contact the local police. They may be able to act under state consumer protection laws.
  • If mail fraud is suspected, notify your local postmaster.
  • Alert Commerce Bank immediately at (800) 698-2265 so we can then watch for any unusual activity or suggest other means of protecting your account.
  • Request to change any Personal Identification Numbers (“PINs”) or passwords used for account access.
  • You may also contact the Massachusetts Attorney General Consumer Hotline, the Federal Trade Commission, and/or the Office of Consumer Affairs. The contact information for each is listed below.

Important Contact Information

Commerce Bank
(800) 698-2265

The Credit Reporting Bureaus/Fraud Departments

P.O. Box 15069
Atlanta, GA 30348
(888) 766-0008

Experian (formerly TRW)
P.O. Box 9532
Allen, TX 75013
(888) 397-3742

P.O. Box 679
Fullerton, CA 92634
(800) 680-7289

Massachusetts Attorney General Consumer Hotline
Visit or call (617) 727-8400

Federal Trade Commission Hotline
Visit or call (877) IDTheft

Office of Consumer Affairs Hotline
Visit or call (617) 727-7780 or (888) 283-3757