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Utilities Fraud


Follow each step to begin the process of clearing your name:

1 Organize Your Case

Keep a detailed log in a spiral notebook of all phone calls you receive or make including the name of the person you spoke with, that person’s title, phone number, and what was said during the conversation. Keep loose papers in a notebook or accordion folder.

To print a form that can be used to keep track of the contacts you make, click here to display a Contract Tracking Sheets.

2 Contact the Utility company

Contact the utility company’s fraud department and tell them you are a victim of identity theft.

  • Rocky Mountain Power Fraud Department. 888-221-7070
  • Questar Credit and Collections Department 801-324-3903

Request a copy of the application and any other supporting documentation. According to the FACTA, consumers are entitled to a copy of the application and business transaction records no later than 30 days from receipt of request. You will need to provide proof of positive identification, a copy of the police report and an affidavit that is acceptable to the business entity. There should be no charge for this information.

3 Initiate a Fraud Alert

Initiate an Initial Fraud Alert (90-day Fraud Alert) on your credit files by contacting one of the three major credit reporting agencies (CRAs). As soon as that agency processes your fraud alert, it will notify the other two agencies. All three CRAs will place fraud alerts in your credit file. You will then receive a free copy of all of the information in your file from each of the three agencies. You will also receive a notice of your rights as an identity theft victim. An Initial Fraud Alert can make it more difficult for someone to get credit in your name because creditors are required to call you before extending credit. An Initial Fraud Alert stays in your file for at least 90 days and can be renewed.

You can also ask for an Extended Alert (7-year Alert), which stays in your credit file for seven years. If you ask for an Extended Alert, you will have to provide a copy of an identity theft report, which is a report you have filed with a federal, state or local law enforcement agency. An Extended Alert entitles you to two additional free credit reports from each CRA in a 12-month period following the placing of the alert.

To place either of these alerts, a CRA will require you to provide appropriate proof of your identity, which may include copies of your Social Security card, driver’s license, and/or utility bills. You may cancel the fraud alerts at any time.

Experian
P.O. Box 9532
Allen, TX 75013
1-888-397-3742
www.experian.com

Click to file an initial fraud alert online 90-Day Fraud Alert

Equifax
P.O. Box 740250
Atlanta, GA 30374-0241
1-800-525-6285
www.equifax.com

Click to file an initial fraud alert online 90-Day Fraud Alert

Transunion
P.O. Box 6790
Fullerton, CA 92834-6790
1-800-680-7289
www.transunion.com

The Fair And Accurate Credit Transactions Act (FACTA) gives all consumers the right to one free copy of their credit report each year from each of the credit reporting agencies. All three credit reporting agencies have additional information regarding identity theft and the FACTA on their web sites.

You may request that only the last four digits of your Social Security number appear on your credit report. In all communications with the credit reporting agencies, you will want to refer to the unique number assigned to your credit.

4 Review Your Credit Report

Order your free credit reports online at www.annualcreditreport.com Check each credit report carefully when you receive it. Look for accounts that you have not opened; charges that you have not made; inquiries that you have not initiated; and default and delinquencies that you have not caused. Check that your name, address, and Social Security number is correct on all reports. File all of the appropriate reports on this web site. Report ID Theft

5 File an Identity Theft Report

If you have been notified of a fraudulent utilities account, be sure to fill out the Utilities Fraud complaint item on this web site. Report ID Theft

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