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Identity Theft

Identity Theft happens when fraudsters use stolen personal financial information for their own gain.  Recovering from identity theft is a process and can feel overwhelming. However, acting quickly can help you limit the damage, fix your credit, and help protect yourself from future identity theft. Keep a detailed record of all steps you take.

Important Steps if you are a victim of Identity Theft
  1. Contact your bank or credit card company to report that you are a victim of identity theft.  Depending on the type of identity theft or fraud, the bank or credit card company may close your accounts or reissue your credit or debit card.
  2. Contact one of the credit agencies below to report the identity theft. When you contact one credit bureau, the other two bureaus are notified automatically.
    • Let the agency know you are a victim of identity theft.
    • Place a credit “freeze” or a fraud alert on your account.
          • Experian: 888-397-3742
          • TransUnion: 888-909-8872
          • Equifax: 888-766-0008
  3.  File a report with your local police department.  Bring proof of any fraudulent transactions that have occurred.
  4.  Change your username, password, and PIN on all websites or access devices that have your personal or financial information.
  5.  Visit the FTC website and complete the steps found pertaining to your type of identity theft. You can also complete an “Identity
       Theft Affidavit”. - When Information is Lost or Exposed
  6.  Consider enrolling in a trusted identity theft protection service like LifeLock.
  7.  Follow suggested steps to help protect your identity in the future and prevent fraud.
        • Be aware of any suspicious emails, phone calls, or text messages asking you for personal information. 
        • Visit the FTC website for ways to protect your personal information from identity theft: Identity Theft | Consumer Advice (
  8.  Continue to check your credit reports at
Important Identity Theft contacts and resources
  • GenoaBank
    • GenoaBank accounts at 800-592-2828
    • GenoaBank lost/stolen Debit Card at 1-800-472-3272
    • GenoaBank lost/stolen Credit Card at 1-800-325-3678
  • Your local police department. Request a copy of the police report and case number.
  • The fraud department of any of the three credit reporting agencies to place a “fraud alert” on your credit file:
          • Equifax 888-766-0008
          • Experian 888-397-3742
          • TransUnion 888-909-8872
  • The Federal Trade Commission for ID theft at 877.ID.THEFT (877-438-4338) or
  • Annual Credit Report website:
  • FCC Smartphone Security Checker | Federal Communications Commission
Security and Privacy

Safeguarding your account information from current cyber threats is one of our top priorities. We continue to identify new tools and implement features in our online systems to assist you in ensuring that your data and their assets are protected. Although these tools and features help, you are the most critical element in the protection of your assets and smooth operations of your online accounts. Please review the information here to learn more on how to better protect yourself from current cyber threats.