Identity Theft

Recommended Actions

Contact us immediately at 1-800-836-7328 or visit a Summit branch to assist in safeguarding your account. 

These are some recommended actions to perform if you suspect your personal information was stolen: 

1. Report the incident to the law enforcement agency in the jurisdiction of the theft.   

2. Contact one of the three credit reporting agencies to place a fraud alert.  A report to one will be forwarded to the other two agencies by the agency receiving the report of identity theft.  All three companies will mail a confirmation letter that contains information on how to order the credit reports for each credit reporting agency. The three credit reporting agencies contact information is as follows: 

• TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance division, PO Box 2000, Chester PA 19022-2000. 
• Equifax:  1-888-766-0008; www.equifax.com; PO Box 740241, Atlanta, GA 30374-0241. 
• Experian:  1-888-EXPERIAN (397-3742); www.experian.com; PO Box 9554, Allen, TX 75013 

3. View your credit reports. Credit reports should be obtained from all three credit reporting agencies you can obtain free credit reports from each agency from the following website annualcreditreport.com or by calling 1-877-322-8228. 

4. Contact the Federal Trade Commission (FTC) at https://www.identitytheft.gov/ or (877) ID-THEFT (438-4338. This helps the FTC monitor and report to the government exactly what has happened to a consumer. The FTC suggests an identity theft victim complete and send a Fraud Affidavit to the vendors/merchants that are attempting to collect a debt from the victim in cases were the identity thief acquired the debt not the victim. The Fraud Affidavit can be obtained at the following web address:  https://www.identitytheft.gov/ 

For additional information on ID Theft, visit the following websites:

• Fraud and Identity Theft Tip Sheet: Facts and statistics, how to protect your identity, what to do if you become a victim, and contact information for credit reporting agencies.
• Report Your Valid Passport Lost or Stolen: Information and resources to report your Passport lost or stolen.
• New York State Consumer Protection Board: Information and resources to help reduce your risk of ID theft.
• Anti-Phishing Working Group: How to avoid Phishing scams.
• National Fraud Information Center: Advice, trends, and more.