State of Minnesota
Minnesota business identity theft information and state resources to protect businesses and business owners, & guidance to help you report and recover from business ID theft
Protect your personal credit and identity, and find additional Minnesota state-specific information for personal identity theft protection
Learn about business identity theft, how it happens, and ways to protect your Minnesota business & reduce your risks
Report business identity theft to law enforcement and appropriate Minnesota government agencies, & get assistance in resolving your case
©Copyright 2012-2013 by Identity Theft Protection Association. All rights reserved.
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.
Minnesota Attorney General privacy and identity theft website (personal protection information)
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.
Minnesota’s new automated system includes a process in which a business can designate an email address for official and other notices. Once this new system is fully launched, the OSS will add a component to send a confirmation email to that original address when any filing is made for that business entity. In addition, the Office uses media alerts to inform the general public about issues related to business identity theft or other commercial security issues.
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 Minnesota, if your state business records have been fraudulently changed or updated, contact the Minnesota Secretary of State Business Services Division to report and correct fraudulent business filings. Contact information is provided below. The Division will also report or escalate to law enforcement, as appropriate.
Please note that you should only contact the Minnesota 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.
Each year the Minnesota Office of the Secretary of State helps 60,000 new business get started and another 250,000 to better serve their customers. While the new on-line systems are of great benefit for making the process of creating and operating businesses more efficient, they also create new opportunities for fraud and abuse. As we develop new computer-based filing systems, we will continue to develop new ways to help keep Minnesota business owners safe from commercial fraud, including business identity theft.
Minnesota 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 Minnesota 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)
• All others must pay $5.00 to place a freeze, to temporarily lift the freeze, or to remove it entirely
• The freeze will remain in place until you remove it
To Place a Credit Security Freeze in Minnesota:
• Experian security freeze website
• Equifax security freeze website
• TransUnion security freeze website
• Innovis security freeze website
In Minnesota, 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 file a complaint with the white collar crime section of your county attorney’s office.
In the case of fraudulent business filings, the Minnesota 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 Minnesota Office of the Attorney General
Minnesota Attorney General website
Minnesota Attorney General Consumer Complaint website
Minnesota AG consumer telephone numbers: 1-800-657-3787 or (651) 296-3353
State of Minnesota Department of Public Safety
Minnesota Department of Public Safety website