<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=192888919167017&amp;ev=PageView&amp;noscript=1">
Thursday, March 28, 2024
March 28, 2024

Linkedin Pinterest

Are you the victim of identity theft? Here’s what to do

By Jessica Roy, Los Angeles Times
Published: November 6, 2022, 6:00am

My identity was stolen. It was a nightmare. And it could happen to you.

There are a few different ways you can become a victim of identity theft. In my case, someone stole my wallet out of my purse and was able to obtain the rest of my information online. It can also happen if your mail is stolen, or if you’re a victim of a data hack.

If you think your personal information is being used fraudulently, here’s what you need to do.

  • Start taking notes

You need to be organized to fight this. Write down dates, any information you received in email or postal mail, what number you tried calling, the name of the customer service representative you spoke to, and the case or incident number they assign you at the end of your call.

  • Freeze your credit

Freeze and add fraud alerts to your files with the main credit bureaus (Equifax, Experian and TransUnion) and Chex Systems. This should prevent someone from being able to use your information to open new lines of credit or bank accounts.

More in This Series

Federal laws that regulate the collection, sharing and sale of personal data could enhance everyone???s privacy and security.Are you the victim of identity theft? Here’s what to do
My identity was stolen. It was a nightmare. And it could happen to you.
After her wallet was stolen at a bar, a Los Angeles Times reporter spent a year trying to get her life back.Worried about identity theft? What to do to minimize your risk
I’m a victim of identity theft. Thieves stole my wallet out of my purse and were able to find out everything else they needed to…
Do you think your identity was stolen? It???s time to take action.There are no perfect solutions for identity theft. But experts and a victim have ideas
Identity theft happened to me. It could happen to you. Our systems enable bad actors to commit identity fraud and generally get away with it.…
  • Report it

File reports with the FBI’s Internet Complaint Center and with the Federal Trade Commission. These reports will serve as evidence to help defend yourself if fraudulent charges are made in your name. Visit complaint.c3.gov to file one. And the Federal Trade Commission runs IdentityTheft.gov, where you can also file a report and get started with a recovery plan. You can also contact the FTC about identity theft by calling (877) 438-4338.

  • Put banks in your speed dial

Contact the banks’ fraud lines. Reach out to any financial institution where you think a new account has been opened and let them know it’s fraudulent. One mistake I made was calling the general 800 number for the banks to do that. I ended up on hold for what seemed like a thousand years because I didn’t have “my” account number handy to punch in. Banks have fraud departments. Look up those numbers and call them instead.

  • For complicated cases

Some identity theft cases are more complex than others. If you need extra assistance:

Contact the Identity Theft Resource Center.The nonprofit advocacy group exists to help victims. Visit idtheftcenter.org or call (888) 400-5530 to get started.

File a police report. You are likely to get some resistance, like I did, from officers who are unwilling to take your report and unlikely to follow up. But having that report is another key piece of evidence so you won’t be on the hook for any of the thief’s activity. You are entitled to a copy of your report once it’s done, though you may have to jump through some hoops like going to the station again or sending a written request.

Loading...