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What most civilians don't know: Cases are numerically scored based on how much data is provided, and the highest ranking ones will garner the most attention.
"Is the suspect known, do we have anything to work with? "If not, the case gets a low score and will get thrown to the side.
"Be prepared with credit card statements and credit reports showing the fraud," says Shipley. If you can provide that person's contact information, all the better.
Do not, under any circumstances, conduct your own "who done it" hunt, experts stress.
Along with notifying the credit card company (which should absolve you of liability), credit reporting agencies (to add a 90-day fraud alert) and the Federal Trade Commission (so it can track these crimes), contacting local law enforcement is an integral part of the process.
According to Rob Douglas, editor of Identity Theft Info.com, anyone who spots an unauthorized charge on their statement should call the police to file a report.
At that stage, he or she will make a decision about what to do about it -- if anything.
As large-scale data breaches put tens of millions of Americans account numbers on the auction block, odds are high you may have to file your own report one day.
Read on for a behind-the-scenes peek into post-report procedures. Unauthorized credit card charges are a form of identity theft, so calling the police is one of the steps the FDIC recommends after discovering them.
"I would not say that, but he did give me a form to fill out," says Dumoulin.
The more you give, the more you'll get While swift reporting is advised, so is presenting relevant documentation.
"Say, 'Look, I'm not expecting you to conduct the investigation -- I just want to clear my name.' Then ask to speak to a supervisor. Expect neither sympathy nor sirens While one of the first steps after discovering the crime is to call the police, what you're instructed to do after that depends on the department.