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
(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.