The Five Steps You Should Take If You Fall Victim To Identity Theft

Identity Theft Hacker

If you believe that you’ve become a victim of identity theft, it’s crucial that you take the following five steps as soon as possible. Make sure you keep a detailed record of your conversations and copies of all correspondence.

  1. Check all of your accounts and alert your financial institutions immediately.

Call and speak with someone in the security or fraud department of each company. It’s important to follow up in writing, and include copies (NOT originals) of supporting documents. Send your letters by certified mail with return receipt requested, so you can document when the companies received it. Keep a file of your correspondence and enclosures.

  1. Close the accounts that you believe have been accessed or opened fraudulently.

When you open new accounts, use 2-step verification sign-ins, and make new Personal Identification Numbers (PINs) and passwords. Avoid using readily available information like your mother’s maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers.

  1. Review your credit reports and place a fraud alert on them.

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three major credit bureaus to place an alert. The bureau you call is required to contact the other two, which will put an alert on each version of your report.

To place a fraud alert, simply call or go online to:

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If the identity thief has made charges or debits on your accounts, or on fraudulently opened accounts, ask the company for the forms to dispute those transactions.

  1. File a report with police either where you live or in the community where the identity theft took place.

Get a copy of the police report or at the very least, the number of the report. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a “Miscellaneous Incidents” report, or try another jurisdiction, like your state police. You also can check with your state Attorney General’s office to find out if state law requires the police to take reports for identity theft. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.

  1. File a complaint with the Federal Trade Commission.

By sharing your identity theft complaint with the FTC, you will provide valuable information that can help law enforcement officials across the nation track down identity thieves and stop them. The FTC can refer victims’ complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces.

You can file a complaint with the FTC by going to https://identitytheft.gov or by calling the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

You can also find more valuable resources about identity theft and how you can protect yourself at https://www.usa.gov/identity-theft.