Puerto Rico Credit Security Freeze

The three major credit bureaus  (Experian, Equifax, and TransUnion) have voluntarily made credit security freezes available to Puerto Rico residents. Innovis voluntarily allows all U.S. consumers 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 a police report or DMV report)
• All others must pay $10.00 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 Puerto Rico:

• Experian security freeze website  

• Equifax security freeze website  

• TransUnion security freeze website  

• Innovis security freeze website  
 

Puerto Rico 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.

U.S. Federal Trade Commission Consumer ID theft website   (personal protection information)

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 Puerto Rico Business Filings

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

• Review your Puerto Rico business filings
  Verify the accuracy of your Puerto Rico business filings and confirm that your filings are up to date.

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 Puerto Rico Business Filings

In Puerto Rico, if your official business records have been fraudulently changed or updated, contact the Government of Puerto Rico Department of State to report and correct fraudulent business records.

Please note that you should only contact the Puerto Rico Department of State 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 the Puerto Rico Police Department. Also review the Business Identity Theft Victim Action List for other important steps to take.

Report Business Identity Theft to Puerto Rico Law Enforcement

In Puerto Rico, if your business is a victim of business identity theft, you should report the crime to the Puerto Rico Police Department.

In the case of fraudulent business filings, the Puerto Rico Department of State 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.

Puerto Rico Police Department

Website:  www.policia.gobierno.pr