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Iowa

Iowa

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State Seal of Iowa   Business identity theft resources 

  State of Iowa

Iowa business identity theft information and resources

Information and state-specific resources to protect Iowa businesses and business owners, & guidance to help you report and recover from business identity theft

PROTECT YOURSELF

Protect your personal credit and identity, and find additional state-specific information for personal identity theft protection


Business owner personal risks

Review and protect your personal credit

Personal identity theft protection

PROTECT YOUR BUSINESS

Learn about business identity theft, how it happens, and ways to protect your business & reduce your risks

Learn about business identity theft

Protect your business

Protect your state business filings

Business credit reports

REPORT & RESOLVE YOUR CASE

Report business identity theft to law enforcement and appropriate government agencies, & get assistance in resolving your case

Victim action list

Report to law enforcement

Fraudulent business filings

Federal government agencies
Iowa State Resources for Personal Identity Theft
Iowa State Resources for Personal Identity Theft

Iowa state resources for personal identity theft protection


Note: These resources are specifically designed to address personal identity theft prevention and incidents of consumer identity theft. Because most state and federal identity theft and consumer protection laws are designed to protect individual consumers, businesses generally do not enjoy the same rights, protections, and potential recourse as consumers. Therefore, while helpful in addressing many issues that you may face as an individual, be aware that consumer identity theft information may not be applicable to an incident of business identity theft or fraud.


Iowa Attorney General - "A Guide for Victims of Identity Theft"  (for personal cases)




Personal Credit Protection
Personal Credit Protection

Learn how to protect your personal credit


Business identity thieves often use the identity information (and credit) of the business owner or company officers to open new accounts, or as guarantors of fraudulent loans and lines of credit. In addition to taking actions to protect your business, it is also important to protect yourself as well. This section provides detailed explanations of important consumer credit protection tools that are available to help protect your personal credit from identity thieves.

Use the links below to learn what these tools are, how they work, and how to use them to help protect your personal credit.


Tools & Resources to Protect Your Personal Credit:

Get Your Free Annual Credit Reports                            Initial Fraud Alerts 
     
Review Your Credit Report for Fraud    Extended Fraud Alerts 
     
Credit Security Freeze    Fraud Victim Statement 
     
Active Duty Alerts    Credit Monitoring 


Protect your state business filings
Protect your state business filings

Review, Manage, and Protect Your Iowa Business Filings


If your business does not regularly review your state business filings, file your annual reports in a timely manner, or enroll in email alerts or other preventative systems that may be offered by your state, you may unknowingly attract the unwanted attention of business identity thieves.




The Iowa Secretary of State is currently developing a list of email addresses for registered agents. When this list is developed, the registered agent will receive an email notification of any change to the business registration records.


Business Credit Reports
Business Credit Reports

Review and Protect Your Business Credit Reports


Business identity thieves can manipulate or falsify business credit records and then use these to impersonate your business, or as a part of a fraud scheme to target your business. To combat this, you should periodically review your business credit reports and the information that is being reported.

Contact the business credit reporting agencies:


Dun & Bradstreet       
Business credit website       Toll free:  1-800-234-3867 
Equifax Business credit website 

Toll free:  1-800-525-6285 
Experian  Business credit website 
Toll free:  1-888-397-3742 
TransUnion  Business credit website     Toll free:  1-800-680-7289  
 


Fraudulent Business Filings
Fraudulent Business Filings

Report and Correct Fraudulent Iowa Business Filings


In Iowa, if your state business records have been fraudulently changed or updated, contact the Iowa Secretary of State Business Services Division to report and correct fraudulent business filings. Contact information is provided below.

Please note that you should only contact the Iowa Secretary of State Business Services Division for business identity theft incidents involving fraudulent business records.

All other types of business identity theft incidents and related fraud should be reported directly to law enforcement. Also review the Business Identity Theft Victim Action List for other important steps to take.


Iowa Secretary of State
Main website:  www.sos.state.ia.us

Iowa Secretary of State - Business Services Division


Website:   www.sos.iowa.gov

Business Services Division telephone:  (515) 281-5204
TTY:  Call 711 followed by  (515) 281-5204 
 

  While Iowa does not have a formal process for business identity theft reporting, the Secretary of State’s Office Business Services Division does accept reports. Each report is investigated within the Office and results are turned over to the Iowa Attorney General’s Office and the Iowa Department of Criminal Investigations. 
Address:
Iowa Secretary of State
Business Division
First Floor, Lucas Building
321 E. 12th Street
Des Moines, Iowa  50319
              
 




Iowa Credit Security Freeze
Iowa Credit Security Freeze

Iowa Credit Security Freeze


Iowa enacted its own state law establishing the availability of credit security freezes for its citizens. The three major credit bureaus  (Experian, Equifax, and TransUnion) have also voluntarily made security freezes available to all Iowa state citizens. Innovis voluntarily allows consumers in all states to freeze their Innovis credit files.

Eligibility: All consumers 

Credit Security Freeze Fees:  Per credit bureau. To be effective, you should place a freeze at each credit bureau
• No cost for confirmed identity theft victims to place a freeze (with a copy of police report), to temporarily lift the freeze, or to remove it entirely
• All others must pay $10.00 to place a freeze, and $12.00 to temporarily lift the freeze or remove it completely
• There is a $10.00 fee for replacement PINs
• The freeze will remain in place until you remove it

To Place a Credit Security Freeze in Iowa:

Experian security freeze website  

Equifax security freeze website  

TransUnion security freeze website  

Innovis security freeze website  
 

Iowa Law Enforcement
Iowa Law Enforcement

Report Business Identity Theft to Iowa Law Enforcement


In Iowa, if your business is a victim of business identity theft, you should report the crime to your local law enforcement agency. In some cases, you may also report business identity fraud to the Iowa Office of the Attorney General.

In the case of fraudulent business filings, the Iowa Secretary of State Business Services Division may also report or escalate to law enforcement as appropriate.

Also review the Business Identity Theft Victim Action List for other important steps to take.


State of Iowa Office of the Attorney General 

Iowa Attorney General website

File a complaint with the Iowa Attorney General

Iowa AG Consumer Protection Div. phone:  (515) 281-5926

Complaints mailing address:
Consumer Protection Division
Attorney General of Iowa
Hoover State Office Building
1300 East Walnut
Des Moines, Iowa  50319

Iowa Department of Public Safety

Iowa Department of Public Safety website


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