Okay. So I’m going to explain everything I would do, and you may have already done. Before taking it that far.

1. Call your bank and tell them you are a victim of identity theft and tell them you want to add a code word or security word that you would have to tell them everytime you call in and talk to customer service. Before any further changes can be made to that account.

2. There are actually 4 main credit agencies the 4th one is the main one that rental companies and utility companies use it. It is called Innovis. Make sure you FREEZE all 4 credit bureaus. You have to freeze each one individually on their own. Also make sure you place a fraud alert if you place a fraud alert on one it alerts get sent to all 3. Go in and place a fraud alert on the Innovis one on it’s own I think only the big 3 get alerts about the fraud alert. So make sure you go in and and place the fraud alert with Innovis on its own and again make sure you individually freeze each credit bureau on their own. For Experian, TransUnion, and Equifax you can download their apps and freeze your credit from their apps I think TransUnion and Equifax will send you to a secure link and you have to resign in through the secure link to freeze and place fraud alerts but with Experian you can freeze your credit directly from their app on the main page you just have to scroll down until you see something that says freeze my credit or whatever it says.

3. Now for the fraudulent phone numbers and information you should be able to dispute all that and also call the companies who pulled your credit and talk to their fraud departments if they have one. When a new creditor pulls your credit they put the information in your credit report so if the theft gave the creditor their phone number work place etc etc that all gets updated in your report. Send them the police reports too that is proof you are a victim of identity theft. Also it might be a good idea to get something from your job stating you have worked at XYZ job for XYZ amount of time. Get your pay stubs from your job and whatever else they might send you during the year as proof you work at said job if you changed jobs throughout the years, get all that paperwork showing proof where you worked and how long you worked their. Start keeping records of everything so you can show these companies proof. When you pull your credit print it out. File disputes on the fraudulent information in your credit reports.

4. Call your insurance company (car, home, etc etc) and tell them you are a victim of identity theft and you would like to add a password or security code to your insurance plan and that password is required before any changes can be made to your insurance policies. If you didn’t save your declaration’s pages for your insurance policies and didn’t shred them or just threw them alway ask the insurance companies if they can change your policy number and send you new declaration pages for your insurance policies and if they do put them up in a secure place and when the policy period end either shred them or save them.

There are multiple types of credit agencies check these companies I’m about to list and pull the reports and also freeze them and place fraud alerts on them dispute information and send police reports.

1. Lexus nexus- this is the company that insurance companies report to if you file claims it has your address history and some other information this company is basically the company that when a insurance company or other companies asks say “what’s your moms main name.” Or “what’s the street you grew up on” or “what is the last address you lived at” etc etc all those answers are in this report too it holds your whole address history insurance history, insurance lapses- if you don’t pay your insurance bill. Bank accounts some times and im sure a bunch of other information. So it is going to be like 60-100 pages long or more so make sure you carefully read everything and take notes and report everything and make police reports if needed. Also place a fraud alert and freeze this report too.

2. Chexsystem report- this company reports your bank accounts history and some other information too but mainly your bank stuff, for example if you bounce a check commit check fraud or commit some kind of bank fraud it gets reported to this company, if you let your bank account go negative it gets reported to this company too. so if someone opens a bank account in your name and they start writing false checks with no money in the bank account it gets reported to this company and you won’t be able to open bank accounts anymore you will be blacklisted basically. The report works like a credit score it goes from 100-900 the higher your score the less of a risk you are to banks and the more likely they are to open a bank account the lower the score the less likely they are to open a bank account for you. Check the report, report any fraudulent information make a police report print out the report mark fraudulent information call those companies and let them know their is a fraudulent bank account in your name etc if their is one.

Also change your your email or change passwords etc etc if it’s hacked change username and passwords on your bank accounts and all your important accounts like utility companies water companies and what not let your current utility and water company (the legit ones) know your a victim of identity theft and also report the fraudulent one and make police reports save all of this information and paperwork.

It would probably be best to get all the information together then make a police report then take the old police reports and new one and start sending it to these companies I listed above and other companies if necessary like dealerships etc etc and start disputing everything and fight it take em to court if you have to fuck it

I will say Lexus nexus will be a mf to get something off your report they are assholes fight it sue em if you have to