Potential Identity Theft Alert

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Identity Theft: What to do if you’ve been targeted

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Experiencing identity theft can be stressful and overwhelming, but taking immediate and organized action can help mitigate the damage. Here are the steps you should take:
  1. Document Everything:  Keep a detailed record of all communications and actions taken, including dates, names of representatives, and outcomes.
  2. Alert Your Banks and Credit Card Companies:  Contact your banks and credit card companies immediately to report the theft. Request to close or freeze your accounts to prevent further unauthorized transactions. Ask for new account numbers and cards.
  3. Place a Fraud Alert:  Contact one of the major credit reporting agencies (Equifax, Experian, or TransUnion) to place a fraud alert on your credit report. The agency you contact will inform the other two. A fraud alert lasts for one year and can be renewed. It alerts creditors to take extra steps to verify your identity before opening new accounts.
  4. Check Your Credit Reports:  Request a free copy of your credit report from each of the three major credit reporting agencies at AnnualCreditReport.com. Review your reports for any unauthorized accounts or transactions.
  5. Report to the Federal Trade Commission (FTC):  File an identity theft report with the FTC at IdentityTheft.gov or by calling 1-877-438-4338. The FTC will provide you with a recovery plan and identity theft affidavit, which you can use to help clear your name.
  6. File a Police Report:  Contact your local police department to file a report. Provide them with a copy of your FTC identity theft affidavit, any evidence of the theft, and a government-issued photo ID. Get a copy of the police report, which can be useful when dealing with creditors and other entities.
  7. Notify the IRS:  If you suspect tax-related identity theft, contact the IRS at 1-800-908-4490. You may need to complete an Identity Theft Affidavit (Form 14039).
  8. Change All Your Passwords:  Change the passwords on your online accounts, especially financial, email, and social media accounts. Use strong, unique passwords for each account and consider using a password manager.
  9. Monitor Your Accounts:  Keep a close watch on your bank and credit card statements for any unauthorized transactions. Regularly check your credit reports for any new signs of identity theft.
  10. Consider a Credit Freeze:  A credit freeze prevents creditors from accessing your credit report, making it harder for identity thieves to open new accounts in your name. Contact each of the three major credit reporting agencies to request a freeze.
  11. Contact Other Relevant Organizations:  Depending on what information was stolen, you may need to contact other organizations, such as the Social Security Administration (if your Social Security number was stolen) or your health insurance provider (if medical information was stolen).
  12. Seek Legal Assistance if Necessary:  If the identity theft is severe or you need help navigating the recovery process, consider consulting with an attorney who specializes in identity theft.
  13. Stay Vigilant:  Identity theft can have long-term implications. Stay vigilant and monitor your financial and personal information regularly. Taking these steps promptly can help you regain control of your identity and minimize the damage caused by identity theft.