State of Iowa
Information and state-specific resources to protect Iowa businesses and business owners, & guidance to help you report and recover from business identity theft
Protect your personal credit and identity, and find additional state-specific information for personal identity theft protection
Learn about business identity theft, how it happens, and ways to protect your business & reduce your risks
Report business identity theft to law enforcement and appropriate government agencies, & get assistance in resolving your case
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)
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:
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 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:
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 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
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
Iowa Department of Public Safety
Iowa Department of Public Safety website