So, it would appear that I am the victim of identity theft. What am I forgetting to do?
Here's what I know:
- 3 new credit inquiries on my report from one bureau, caught by a monitoring service. All are for utility-type services - phone, cable, internet type stuff. Nothing showing from any bank or financial entities.
- Fraud department of one of the companies contacted me (and seemingly everyone I know) in an attempt to verify the service request, being that it was in a different state. I confirmed the request was not mine.
- Rep from said fraud department indicated it looked like the thief has my SSN, name, and DOB.
- Inquiries were from 10/12 and 10/13.
Here's what I've done so far, based on some quick Google searches and this
- Yesterday, 10/14, placed a freeze on my credit file at all 3 bureaus, plus ChexSystems
- Initiated dispute process of the 3 inquiries
- Tomorrow will be filing a police report (didn't do it earlier as I'd been out of town until this evening)
- File complaint with FTC <rant> as soon as congress gets their ass in gear and they're open again </rant>
- Contact the two other companies from where the inquiries originated and speak with their fraud departments to make sure no accounts were opened under my name, and get them removed if they did
For anyone in the know, or anyone having gone through this, is there anything I'm missing? Anything you wish you'd done right away, but didn't? Did I catch this in time to ward off most future troubles, or am I in for years of constant damage control?
At this point, based on (lack of) account activity and the series of events, I have no reason to believe any actual account numbers were compromised, just my personal info. But would it still be prudent to go through the hassle of getting new numbers / cards?
As a bonus question - I have circumstantial evidence as to what organization is responsible for allowing my data to be stolen, but obviously this is next to impossible to prove. Any recourse available there?