Dealing with Credit Accounts
How to report a tampered credit account
Here are some important tips on How to report a tampered credit account, for shoppers and merchants.
What do I do if someone has tampered with my existing accounts?
- Contact the
fraud department of the company where your account has been
tampered with.
- Close the
account and open a new one. Get a new personal identification
number (PIN) or password when you open the new account. Avoid
using easily available information like your mother's maiden name,
your birth date, the last four digits of your SSN or your phone
number, or a series of consecutive numbers.
- Dispute in writing any charges run up by the identity thief on those accounts. Insist on havingdebits reinstated. Ask the representative to send you the company's fraud dispute forms. If the company doesn't have special forms, you can use this sample letter. See What should I do about unauthorized charges on my credit cards? and How do I get back money that was stolen from my debit card account or through other electronic fund transfers?