Personal Economics Program
Identity Theft

Effective July 1, 1998 it is a felony in Georgia to use someone else's identity to obtain something of value, O.C.G.A. 16-9-120 through 16-9-132.  In the 2003 session of the General Assembly, the Georgia identity theft law was strengthened even further with the passage of S.B. 475

The following outlines precautions that Georgians can take to avoid being victims of identity theft, including:

  1. The first thing you should do is contact your local police or sheriff’s department to report the theft of your identity.
    1. Explain to them how your identity was stolen.
    2. Provide them with copies of statements or other documents that you have that support your contention.
       
  2. Contact the Federal Trade Commission (FTC) and the Georgia Office of Consumer Affairs (OCA) to report the theft of your identity.
    1. Contact the OCA at (404) 651-8600 or
      (800) 869-1123
    2. Contact the FTC at (877) 438-4338.
       
  3. Contact the major credit reporting agencies.
    1. Equifax, P.O. Box 740250, Atlanta, GA 30374-0250, (800) 525-6285
    2. Experian, P.O. Box 1017, Allen, TX 75013, (888) 397-3742
    3. TransUnion, P.O. Box 6790, Fullerton, CA 92634, (800) 680-7289
       
  4. After making telephone contact with the credit reporting agencies, follow up with a letter.
    1. In letter format, explain to each credit-reporting agency that someone has stolen your identity such as your drivers license to obtain credit
       
    2. Give factual information including copies of statements, other documents, and police reports that support your contention.
       
    3. Include in the letter that credit should not be granted unless you or your spouse are contacted for verification.
       
    4. Request a copy of your credit history.
       
  5. Contact the company(ies) that provided credit or other tangible or intangible property to the person who stole your identity.
    1. In letter format, explain that you either did not make the charges that are on your statement, that you never requested credit, or that you never applied for the item(s) that were issued using your identity.
    2. Give factual information including copies of statements or other documents that support your contention.
    3. Include a copy of your police report.

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