Identity TheftHow to protect yourself against identity theft and respond if it happens.
Identity (ID) theft is a crime where a thief steals your personal information, such as your full name or social security number, to commit fraud. The identity thief can use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can damage your credit status, and cost you time and money to restore your good name. You may not know that you are the victim of ID theft until you experience a financial consequence (mystery bills, credit collections, denied loans) down the road from actions that the thief has taken with your stolen identity.
There are several common types of identity theft that can affect you:
- Child ID theft – Children’s IDs are vulnerable because the theft may go undetected for many years. By the time they are adults, the damage has already been done to their identities.
- Tax ID theft – A thief uses your social security number to falsely file tax returns with the Internal Revenue Service or state government.
- Medical ID theft – This form of ID theft happens when someone steals your personal information, such as your Medicare ID or health insurance member number to get medical services, or to issue fraudulent billing to your health insurance provider.
- Senior ID theft – ID theft schemes that target seniors. Seniors are vulnerable to ID theft because they are in more frequent contact with medical professionals who get their medical insurance information, or caregivers and staff at long-term care facilities that have access to personal information or financial documents.
- Social ID theft – A thief uses your name, photos, and other personal information to create a phony account on a social media platform.
Prevent Identity TheftTake steps to protect yourself from identity theft:
- Secure your social security number (SSN). Don’t carry your social security card in your wallet or write your number on your checks. Only give out your SSN when absolutely necessary.
- Don’t respond to unsolicited requests for personal information (your name, birthdate, social security number, or bank account number) by phone, mail, or online.
- Watch out for “shoulder surfers.” Shield the keypad when typing your passwords on computers and at ATMs.
- Collect mail promptly. Ask the post office to put your mail on hold when you are away from home for several days.
- Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.
- Review your receipts. Promptly compare receipts with account statements. Watch for unauthorized transactions.
- Shred receipts, credit offers, account statements, and expired cards, to prevent “dumpster divers” from getting your personal information.
- Store personal information in a safe place at home and at work.
- Install firewalls and virus-detection software on your home computer.
- Create complex passwords that identity thieves cannot guess easily. Change your passwords if a company that you do business with has a breach of its databases
- Order your credit report once a year and review to be certain that it doesn’t include accounts that you have not opened. Check it more frequently if you suspect someone has gained access to your account information.
Medical identity theft can occur when someone steals your personal identification number to obtain medical care, buy medication, or submit fake claims to your insurer or Medicare in your name. To prevent medical identity theft, you can:
- Guard your Social Security, Medicare, and health insurance identification numbers. Only give your number to your physician or other approved health care providers.
- Review your explanation of benefits or Medicare Summary Notice to make sure that the claims match the services you received. Report questionable charges to your health insurance provider or Medicare.
- Request and carefully review a copy of your medical records for inaccuracies and conditions that you don’t have.
Report Medical Identity Theft
If you believe you have been a victim of medical identity theft, call the Federal Trade Commission at 1-877-438-4338 (TTY: 1-866-653-4261) and your health insurance company’s fraud department. You can create a complaint form with the details of your experience at IdentityTheft.gov to share with them and with law enforcement. If you suspect that you have been the victim of Medicare fraud, contact the U.S. Department of Health and Human Services’ Inspector General at 1-800-447-8477.
If you are a victim of identity (ID) theft, report it immediately to the FTC, online or by phone at 1-877-438-4338. Visit IdentityTheft.gov to report it and get a personalized recovery plan. Once you file the ID theft with the FTC, you will have an ID theft affidavit. Print and take the ID theft affidavit with you to file the crime with the local police. The ID affidavit and your police report are your identity theft report. Your identity theft report will be very important as you resolve the problem with creditors, banks, and any other companies where fraudulent accounts were set up in your name. You may also report specific types of identity theft to other agencies.
- Long-term Care Identity Theft – Report a claim to the long-term care ombudsman in your state, if the theft was a result of a stay in a nursing home or long-term care facility.
- Medical Identity Theft – Contact your health insurance company’s fraud department or Medicare’s fraud office.
- Tax Identity Theft – Report this type of ID theft to the Internal Revenue Service and your state’s Department of Taxation or Revenue.
In addition to federal government agencies, you should also report the theft to other organizations, such as:
- Credit Reporting Agencies – Contact one of the three major credit reporting agencies to place fraud alerts or freezes on your accounts so that no one can apply for credit with your name or social security number. Also get copies of your credit reports, to be sure that no one has already tried to get unauthorized credit accounts with your personal information. Confirm that the credit reporting agency will alert the other two credit reporting agencies.
- Financial Institutions – Contact the fraud department at your bank, credit card issuers and any other places where you have accounts. You may need your ID theft reports from the police and Federal Trade Commission in order to report the fraud.
- Retailers and Other Companies – You will also need to report the fraud to companies where the identity thief created accounts, opened credit accounts, or even applied for jobs in order to clear your name.
- State Consumer Protection Offices or Attorney General – Your state may offer resources to help you contact creditors, dispute errors, and other helpful resources.
The Federal Trade Commission offers a publication, Taking Charge – What to do if Your Identity is Stolen that shares detailed tips, checklists, along with sample letters.
Tax-Related Identity Theft
Tax-related identity theft occurs when someone uses your stolen Social Security Number (SSN) to get a tax refund or a job. These tips can help you prevent and report tax identity theft:
To prevent tax identity theft, be wary of any Internal Revenue Service (IRS) letter or notice that states:
- More than one tax return was filed using your SSN.
- You owe additional tax, you have had a tax refund offset, or you have had collection actions taken against you for a year you did not file a tax return.
- IRS records indicate you received wages from an employer unknown to you.
The IRS does not initiate contact with a taxpayer by sending an email, text, or social message requesting personal or financial information.
Dealing with Tax-Related Identity Theft
If you suspect someone used your Social Security Number (SSN) for a tax refund or a job—or the IRS sends you a letter or notice indicating a problem—take these steps:
- File a report with the Federal Trade Commission (FTC). You can also call the FTC Identity Theft Hotline at 1-877-438-4338 or TTY 1-866-653-4261.
- Contact one of the three major credit agencies to place a fraud alert on your credit records:
- Contact your financial institutions, and close any accounts opened without your permission or tampered with.
- Respond immediately to any IRS notice; call the number provided. If instructed, go to the Identity Verification Service.
- Complete IRS Form 14039, Identity Theft Affidavit; print, then mail or fax according to instructions.
- Continue to pay your taxes and file your tax return, even if you must do so by paper.
Source: USA Gov
Recovering from Identity Theft
Is someone using your personal information to open accounts, file taxes, or make purchases? Visit IdentityTheft.gov, the federal government’s one-stop resource to help you report and recover from identity theft.
Data Breach? Lost Info?
Did you get a notice that says a company lost your personal information in a data breach? Did you lose your wallet? Or learn that an online account was hacked? Here are steps you can take to help protect yourself from identity theft.
Protecting Your Identity
What can you do to keep your personal info secure? Are identity protection services worth the cost? What about credit freezes? Check out the FTC’s identity theft articles to find out.
You can help people learn about identity theft — whether you’re chatting with friends and family, sharing info on a social networking site, or taking resources to a religious group or PTA meeting. It’s easy to use and share these free resources from the FTC.
- Free Identity Theft Resources
Free booklets —in English and Spanish — to help people in your community learn how to protect their identity and recover if an identity thief strikes
- Protect Your Identity Event Kit
Everything you need to plan and host an event about identity theft
- Identity Theft Videos
Three videos —in English and Spanish — that explain what identity theft is, how to spot it, and how to recover
For Law Enforcement
Local police can help identity theft victims by:
Credit bureaus and other businesses often require that identity theft victims provide a police report to remove fraudulent debts. Please share our memo to law enforcement with fellow officers so they understand how they can help.
For Attorneys and Advocates
The FTC’s Guide for Assisting Identity Theft Victims is designed to assist attorneys who counsel identity theft victims. The guide highlights the rights and remedies available to identity theft victims under federal law, and provides other useful resources, like sample letters.
Many companies keep sensitive information about customers or employees in their files or on their network. The FTC has free data security resources — including free publications, videos, and tutorials — to help businesses of any size protect their customers and meet their legal obligations.
Identity Theft Scams
For the FBI, identity theft is nothing new. We’ve been dealing with criminals faking IDs for decades, from check forgers to fugitives on the run. But the threat is more pervasive and the scams more sophisticated than ever, including new online elements.
We use both our criminal and cyber resources—along with our intelligence capabilities—to identify and stop crime groups in their early stages and to root out the many types of perpetrators, which span our investigative priorities.
We also tap into our investigative partnerships with federal, state, and local law enforcement (including dedicated task forces in major cities) as well as our information-sharing partnerships with every sector of business, government, and education. And we reach out with information and education to make sure identity theft doesn’t happen to you.
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