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New Jersey

New Jersey Business Identity Theft

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New Jersey Business Identity Theft Protection & Resources


State Seal of New Jersey   State business identity theft resources 

  State of New Jersey

New Jersey 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 YOURSELF

Protect your personal credit and identity, and find additional New Jersey 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 New Jersey 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 New Jersey government agencies, & get assistance in resolving your case

Victim action list

Report to law enforcement

Fraudulent business filings

Federal government agencies


©Copyright 2012-2013 by Identity Theft Protection Association. All rights reserved.

New Jersey State Resources for Personal Identity Theft
New Jersey State Resources for Personal Identity Theft

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)



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 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.






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 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

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

Mailing address:

NJ Dept. of the Treasury - Division of Revenue
Business Services Office
P.O. Box 308
Trenton, NJ   08625
            Physical address:

NJ Dept. of the Treasury - Division of Revenue
Business Services Office
33 West State Street
Trenton, NJ   08625



New Jersey Credit Security Freeze
New Jersey Credit Security Freeze

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  
 

New Jersey Law Enforcement
New Jersey Law Enforcement

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



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