Report Fraud

If you should fall victim to identity theft, follow these steps as quickly as you can:

  • Contact the three national credit bureaus (Experian, Equifax, and Trans Union) and ask them to attach a “fraud alert” to your credit file. Each has a website and a toll-free number.
  • 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 use is suspected, notify your local postmaster.
  • Alert Commerce Bank immediately 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.
  • Contact the credit bureaus below for a copy of your Credit Report:


Contact the credit bureaus below for a copy of your Credit Report:


(800) 525-6285 -- to report fraud

(800) 685-1111 -- to order credit report


(888) 397-3742 -- to report fraud

(888) 397-3742 -- to order credit report

Trans Union

(800) 680-7289 -- to report fraud

(800) 916-8800 - to order credit report


Major Check Verification Companies:

Telecheck – (800) 710-9898

Equifax – (800) 437-5120


Federal Trade Commission (FTC) Consumer Response Center:

Identity Theft Hotline: (877) IDTHEFT (438-4338)

TDD: (202) 326-2502

By mail: Identity Theft Clearinghouse

Federal Trade Commission

600 Pennsylvania Avenue NW

Washington, DC 20580

Online: Click here


Social Security Administration (SSA):

By telephone: (800) 269-0271

By mail: SSA Fraud Hotline

PO Box 17768

Baltimore, MD 21235


U.S. Postal Inspection Service (USPIS):

Online: Click here


Massachusetts Attorney General’s office:

Contact the Attorney General's Consumer Complaint Information Section at: (617) 727-8400.


If you have any further questions or concerns regarding the protection of your financial identity, please don't hesitate to call Commerce Bank at (800) 698-2265.