New Jersey 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.
New Jersey State Police: “Identity Theft Victim’s Reference Guide” (for personal cases)
NJ Division of Criminal Justice - Identity Theft Victim Assistance brochure (for personal cases)
NJ Dept of Banking and Insurance - Consumer identity theft website (for personal 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:
Review, Manage, and Protect Your New Jersey 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.
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:
Report and Correct Fraudulent New Jersey Business Filings
In New Jersey, if your state business records have been fraudulently changed or updated, contact the Business Services Office of the New Jersey Department of the Treasury - Division of Revenue to report and correct fraudulent business filings. Contact information is provided below.
Please note that you should only contact the New Jersey Division of Revenue Business Services Office for business identity theft incidents involving fraudulent business records. For such incidents, the Office may also report or escalate to law enforcement as appropriate.
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.
New Jersey Dept. of the Treasury Division of Revenue
Main website: www.state.nj.us/treasury/revenue
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NJ Department of the Treasury - Division of Revenue - Business Services Office
NJ Division of Revenue Business Services Office website
Business Services Office telephone: (609) 292-9292
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Mailing address:
NJ Dept. of the Treasury - Division of Revenue
Business Services Office
P.O. Box 308
Trenton, NJ 08625
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Physical address:
NJ Dept. of the Treasury - Division of Revenue
Business Services Office
33 West State Street
Trenton, NJ 08625
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New Jersey Credit Security Freeze
New Jersey 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 New Jersey 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 under New Jersey law to place your first freeze
• There is a $5.00 fee for each subsequent freeze
• There is a $5.00 fee to temporarily lift the freeze, or to remove it entirely
• There is a $5.00 fee for replacement PINs, if needed
• The freeze will remain in place until you remove it
To Place a Credit Security Freeze in New Jersey:
• Experian security freeze website
• Equifax security freeze website
• TransUnion security freeze website
• Innovis security freeze website
Report Business Identity Theft to New Jersey Law Enforcement
In New Jersey, if your business is a victim of business identity theft, you should report the crime to your local law enforcement agency. Police departments in New Jersey are required to take a report when you reasonably believe or suspect you are a victim of identity theft, notwithstanding the fact that jurisdiction for prosecution or investigation may lie elsewhere. (N.J.S.A. 2C:21-17.6)
In the case of fraudulent business filings, the Business Services Office of the New Jersey Department of the Treasury - Division of Revenue may also report or escalate to law enforcement as appropriate.
Be certain to also review the Business Identity Theft Victim Action List for other important steps to take.
New Jersey State Police
Website: www.njsp.org
New Jersey Department of Law & Public Safety - Office of the Attorney General
Website: www.state.nj.us/lps