Help Centre

When Exposure
Is Confirmed.

What to do when your data has been found. The steps below are the same ones law enforcement, credit bureaus, and regulatory bodies recommend — presented without the delay.

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If Your Data Is Exposed

Five Steps. In This Order.

These are the actions that limit damage and create a documented record. Speed matters — credential data is typically actioned within hours of a breach.

01 Place a fraud alert with the credit bureaus.
A fraud alert requires creditors to verify your identity before opening new accounts. Contact Equifax, TransUnion, or Experian — once placed with one bureau, they are required to notify the others. In Canada, contact Equifax Canada or TransUnion Canada directly. A fraud alert is free and lasts 90 days. An extended fraud alert lasts seven years and requires a police report.
02 Review your credit file and dispute any unauthorised activity.
Request your credit report from each bureau. In Canada, you are entitled to a free report annually from both Equifax Canada and TransUnion Canada. In the US, use AnnualCreditReport.com. Look for accounts you did not open, inquiries you did not authorise, and addresses you do not recognise. Dispute errors directly with the bureau in writing, keeping copies of all correspondence.
03 Notify your financial institutions and relevant government offices.
Contact your bank, credit card issuers, and any financial accounts that may be affected. Request account freezes or new account numbers where appropriate. If a government identifier — SIN, SSN, passport — was exposed, contact the issuing agency directly. In Canada, that is Service Canada (SIN) and IRCC (passport). In the US, that is the Social Security Administration and the US State Department.
04 File a report with local and federal law enforcement.
In Canada, file a report with your local police service and report to the Canadian Anti-Fraud Centre (CAFC) at antifraudcentre.ca or 1-888-495-8501. In the US, file a report with your local police and with the FTC at IdentityTheft.gov — the FTC report generates a personalised recovery plan. Both reports create a documented record useful for disputing fraud with creditors and government agencies.
05 Submit a report to the relevant privacy regulator.
In Canada, file a complaint with the Office of the Privacy Commissioner (OPC) at priv.gc.ca if you believe your data was mishandled by an organisation subject to PIPEDA. In the US, file a complaint with the FTC at ftc.gov/complaint or with your state attorney general's office. These reports serve both as a formal record and as inputs to regulatory enforcement actions.
Key Contacts

Credit Bureaus & Government Agencies.

Direct contact information for the organisations that process fraud alerts, receive reports, and issue recoveries across Canada and the United States.

Credit Bureaus
Equifax Canada
1-800-465-7166
P.O. Box 190, Station Jean-Talon
Montreal, QC H1S 2Z2
equifax.ca ↗
TransUnion Canada
1-800-663-9980
P.O. Box 338, LCD1
Hamilton, ON L8L 7W2
transunion.ca ↗
Equifax U.S.
800-525-6285
P.O. Box 740241, Atlanta, GA 30374
equifax.com ↗
Experian U.S.
888-397-3742
P.O. Box 9554, Allen, TX 75013
experian.com ↗
TransUnion U.S.
800-680-7289
P.O. Box 2000, Chester, PA 19016
transunion.com ↗
Government Agencies
Canadian Anti-Fraud Centre (CAFC)
1-888-495-8501
Report fraud and identity theft in Canada
antifraudcentre.ca ↗
Office of the Privacy Commissioner (OPC)
1-800-282-1376
PIPEDA complaints and privacy rights
priv.gc.ca ↗
Canada Revenue Agency (CRA)
1-800-959-8281
SIN fraud and tax account misuse
canada.ca/cra ↗
FTC — IdentityTheft.gov (U.S.)
Report identity theft and generate a personalised recovery plan
identitytheft.gov ↗
Social Security Administration (U.S.)
Stolen SSN and benefit fraud
ssa.gov ↗
IRS (U.S.)
Tax-related identity theft and fraudulent filings
irs.gov ↗
External Resources

Further Reference.

Third-party resources referenced by government agencies and security researchers for identity recovery, cybersecurity guidance, and legal support.

Identity Recovery
Identity Theft Resource Center (U.S.)

Step-by-step recovery guides and live assistance for identity theft cases.

idtheftcenter.org
Fraud Prevention — Canada
Canadian Anti-Fraud Centre

Tools and information to identify, report, and recover from fraud and scams in Canada.

antifraudcentre.ca
Cybersecurity — Canada
Canadian Centre for Cyber Security

Government resource for understanding cyber risks and securing personal and business accounts.

cyber.gc.ca
Data Breach Reference — U.S.
Privacy Rights Clearinghouse

Tracks major data breaches and provides guidance on personal data protection rights.

privacyrights.org
Legal Support — U.S.
LawHelp.org

Connects individuals with free legal resources and attorneys for fraud and identity theft cases.

lawhelp.org
Legal Support — Canada
Justice Canada

Tools and resources for understanding your rights as a Canadian resident under federal law.

justice.gc.ca
Consumer Fraud — U.S.
FTC Consumer Information

Guidance on preventing and responding to financial fraud from the Federal Trade Commission.

consumer.ftc.gov
Scam Reporting — CA & U.S.
BBB ScamTracker

Report and view active scams in your region. Run by the Better Business Bureau.

bbb.org/scamtracker
Data Removal
DeleteMe

Paid service that removes personal information from data broker sites and people-search databases.

joindeleteme.com
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Find Out What Is
Already Out There.

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