Identity Theft Repair Kit

The Identity Theft Repair Kit contains a resolution checklist to help you keep track of the companies and
organizations you should contact if you believe you are a victim of identity theft. Be sure to document your
conversations and any next steps.

Resolution checklist
Contact Wells Fargo by calling us at 1-800-TO-WELLS (1-800-869-3557)

We accept all relay calls, including 711

• Report any new Wells Fargo accounts that were opened without your authorization using your name
and information.
• Report any suspected fraudulent activity on your existing Wells Fargo accounts.
< Review activity on all your accounts, including checking, savings, credit card, loans, and brokerage accounts.
< Confirm that your contact information is correct and that no new cards have been ordered without your
authorization.
• Close accounts that have been compromised and open new accounts with new passwords and PINs.
• Change your online banking username and password to something that you only use for your Wells Fargo
accounts. Don’t include personal information such as any part of your name, phone number, or email address
in your username or password. For your password, use an uncommon phrase with a mix of upper and
lowercase letters, numbers, and special characters.
< If you bank online or use the mobile app at other financial institutions, change your username and password
following the guidance above.

Place a fraud alert or credit freeze on your credit report

Fraud alert

Contact one of the three credit bureaus. The bureau you contact will notify the others to add the fraud alert
to your report. Note: Fraud alerts are free and require creditors to verify your identity before opening any new
accounts in your name or changing existing accounts.

• Equifax: 1-800-525-6285 or www.equifax.com¹

1. We do not control the website. Wells Fargo has provided this link for your convenience, but is not responsible for the content, links, privacy policy, or security policy of this website.
 Credit freeze

Contact each of the credit bureaus to add a credit freeze. Freezing your credit prevents anyone but you from
accessing your credit. That means you will need to temporarily lift the freeze in order to apply for new credit.

• Equifax: 1-888-298-0045 or www.equifax.com/freeze1

Monitor your credit

• Request a free copy of your credit report from one of the bureaus or www.annualcreditreport.com.¹ If
you notice information on your credit report that you believe is the result of fraud, file a dispute with the
applicable credit reporting agencies.
• Since identity theft can take time to resolve, continue to monitor your credit file. You may also want to
research different credit monitoring products and purchase one that fits your needs.
Obtain a report of your banking history

Contact consumer reporting agencies to obtain a report of your banking history and review it for accuracy.

• Early Warning: www.earlywarning.com/consumer-information¹

Contact other creditors

• Contact credit card companies, utility and phone providers, banks, lenders, and other financial institutions to
let them know of potential fraud or identity theft.
• Close accounts that have been compromised and open new accounts with new passwords and PINs.

File a report with local police

A police report provides proof of criminal activity which may help when contacting creditors to dispute charges
or accounts opened in your name. Be sure to request a copy of the police report.

Report the criminal activity to the Federal Trade Commission (FTC)

• Call 1-877-ID-THEFT (1-877-438-4338) to speak with a trained identity theft counselor.

Contact other state and federal agencies as appropriate

• Department of Motor Vehicles: If your driver’s license was stolen or if you believe someone is trying to get a
driver’s license or identification card using your name and information, report it to your state agency.
• Internal Revenue Service: If you are a victim of tax-related identity theft or you believe someone has filed a
fraudulent tax return in your name, follow this guide: www.irs.gov/newsroom/taxpayer-guide-to-identity-
theft¹
• Postal Inspection Service: If you believe your mail was stolen or redirected, report it at www.uspis.gov/report¹
• Social Security fraud hotline: If you suspect someone is using your Social Security number for fraudulent
purposes, call 1-800-269-0271 or visit www.ssa.gov/antifraudfacts¹
• U.S. Department of State: If your passport is lost or stolen, report it at: travel.state.gov/content/travel/en/
passports/have-passport/lost-stolen.html¹

Continue to carefully review all your accounts

Continue to monitor all transactions through the mobile app, online banking or by reviewing your account
statements. Report any unauthorized transactions immediately.
1. We do not control the website. Wells Fargo has provided this link for your convenience, but is not responsible for the content, links, privacy policy, or security policy of this
website. © 2021 Wells Fargo Bank, N.A. All rights reserved. PDS-3204808 QSR-1221-04498