You have the right to put a "security freeze" on your credit file. A security freeze can help prevent identity theft. A security freeze means that your file cannot be shared with potential creditors. Most businesses will not open credit accounts without first checking a consumer's credit history. If your credit files are frozen, even someone who has stolen your name and Social Security number would probably not be able to get credit in your name.
To make sure that you do not become responsible for the debts incurred by the identity thief, you must provide proof that you didn't create the debt to each of the companies where accounts were opened or used in your name.
The Identity Theft Affidavit was developed by the Federal Trade Commission (FTC) and has now been implemented by the North Dakota Attorney General to help you report information to many companies using just one standard form.
While many companies accept this affidavit, some may require you to submit additional information or forms. You may wish to contact each company before you send out the affidavit.
The information you provide will help the companies investigate the fraud and decide the outcome of your claim.
If you have questions or need assistance, please call Consumer Protection at 1-800-472-2600 or 701-328-3404. or e-mail to firstname.lastname@example.org.