![]() ![]() If they do none of these, then get an attorney and threaten or take legal action against them. Credit bureaus cannot charge any fees to place, lift, or temporarily lift a credit freeze. Therefore, by law, now that they know that the account is controlled by someone who is not you, they are required to either disable the account, block the account from lifting or removing your security freeze or viewing your credit report, or transfer the account to you. The freeze page will guide you through the remaining steps to place or manage your freeze. Write to all three addresses below and include the information that follows: Equifax Security Freeze. Follow the instructions to place or manage your freeze. A credit freeze can be requested via Experian’s website calling a customer service representative or using the automated system at 88 or by sending a letter to the credit reporting agency along with your identity information: Experian Security Freeze. Cite that 1) the account is currently controlled by an identity thief, 2) the account is capable of unfreezing your Equifax credit report, and 3) that the Fair Credit Reporting Act requires that they properly verify one's identity prior to lifting a freeze.Īdditionally, the account can also be used to obtain a copy of your consumer disclosure report, which under the Fair Credit Reporting Act, the credit bureau can only supply if they reasonably believe that it is being requested by the consumer or an authorized representative or the requester has permissible purpose (neither of which apply to the identity thief). You can place, temporarily lift, or permanently remove a freeze on your Equifax credit report. To do so, you'll need the six-digit personal identification code. Phone: You may also unfreeze your TransUnion credit report by phone at 88. If you ask them to transfer the account to you, include in the letter a desired email address, phone number, and temporary password that they may use. Click the 'Remove Freeze' button to thaw your credit report indefinitely, or click the 'Temporarily Lift Freeze' button to set a range of dates during which your credit report will be unfrozen. In the case of Equifax, you'll probably have to send a letter to them by Certified Priority mail requesting that the account is either shut down or ownership is transferred to you. In the case of Experian, you can call them and request that they "cancel" the account. All three major credit bureaus, Equifax included, allow you to freeze your credit online, by phone or by regular mail.
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