Fraud Resolution Hub

Realizing that you're a victim of identity theft is stressful and confusing, and trying to resolve the problem on your own can feel overwhelming. Aura's team of Fraud Resolution Experts has helped millions of customers.

Aura's Fraud Resolution Experts can help reduce the anxiety of cybertheft by handling the resolution process for you. Our Limited Power of Attorney program enables one of our customer service professionals to contact creditors and agencies on your behalf, saving you the time and headaches involved in the identity recovery process.

To get started, please fill out our Limited Power of Attorney form and send to

Fraud First Aid Kit

Identity theft resolution is complex and 

time-consuming. Our Fraud First Aid Kit can help customers who’d prefer to navigate the process on their own.

Identity theft resolution is complex and time-consuming. Our Fraud First Aid Kit can help customers who’d prefer to navigate the process on their own.

7 Steps To Resolution

Step 1

Contact the credit bureaus to place a “one year fraud alert”

Creditors will then be told to call you before issuing new credit in your name. Once you call one of the credit bureaus, they should notify the other two, but you should notify all three to be safe.

The call will be automated and you will need to provide your Social Security number, date of birth, address and phone number. Then you will be offered credit monitoring for a fee. You do not have to buy any products to place a fraud alert.

After you place a fraud alert, the credit bureaus will send you a letter to confirm the fraud alert and notify you of your right to receive a free credit report. Request your free report using the number in the letter. This report is in addition to your free annual credit report from each of the three credit bureaus, which you may access at

Under federal law you may ask to extend the fraud alert to seven years. You will have to provide an identity theft report.

Step 2
Step 3
Step 4

Dispute fraudulent activity with the bureaus

Notify creditors and any government agencies where your information was used fraudulently

Report fraudulent activity to local, state or federal law enforcement agencies and request an “Identity Theft Report”

Write a letter to each bureau to dispute fraudulent and erroneous information. The credit bureaus will notify each creditor with the disputed items and should respond within 30 days.

You may give notice either by phone or in writing. Be sure to keep electronic and hard copies of the letters you send. You may be asked to provide an Affidavit of Forgery, a police report, or other legal documents indicating that you are a victim.

If you are not sure which agency to contact, start with your local police department. If a report is filed, obtain a copy for your records.

Step 5
Step 6
Step 7

Contact the Federal Trade Commission (FTC)

Fill out the Identity Theft Victim’s Complaint and Affidavit

Make use of your Aura $1million insurance coverage

Complete the FTC Identity Theft Affidavit and keep an electronic copy. The Affidavit serves as proof of your stolen identity. You should also update it as new events occur. Their customer service number is 1-877-382-4357.

The insurance provides coverage for losses incurred as a result of a Stolen Identity Event. The Master Policy for Personal Internet Identity Coverage has been issued to: Intersections LLC (the “Master Policy Holder”), Policy Number: 7077714 underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. If you have any questions regarding the identity theft insurance coverage or wish to file a claim under the Master Policy, please contact the insurer at 1-866-434-3572.

This is provided in this kit. Attach it to all letters you send to agencies, financial institutions and law enforcement.

Keep Good Records!

Take notes and confirm the details of every phone call in writing, with return receipt requested.

Unemployment Claim (UC) Fraud

Do you suspect that you are a victim of Unemployment Claim fraud?

If you received a 1099-G form for unemployment income you didn’t receive or were made aware by your employer or state agency, you likely are a victim of identity theft. In addition to the steps above, you should submit a corrected 1099-G form to the IRS along with your tax return.

We recommend that you contact your tax preparer to assist you with this matter in reporting the misinformation to the IRS. We also recommend you contact the Unemployment Fraud Agencies below.

If you have additional questions regarding your case, please contact our Alerts & Restoration department at 1-800-726-1421. This department is open Monday-Friday, 9 am-7 pm ET.

Sample Letters

We’ve included three sample letters to use when contacting the bureaus, creditors and government agencies. 

You will need to make copies. These letters give notice of the fraud. They go to:

1. credit bureaus

2. financial institutions and credit grantors

3. government agencies

They are available here to download as a Word document, which you can edit as needed.

© Aura {YEAR}. All rights reserved.

* The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.