What Do You Do If Someone Else Has Used Your Social Security Number?
One of the fastest growing crimes, identity theft affects an estimated 9 million people every year. Identity theft occurs when someone gains possession of your personal information, such as your social security number, and uses it for financial gain.
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Place Fraud Alerts
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If someone has used your social security number, you need to place fraud alerts on your credit file with each of three national credit bureau reporting agencies: Experian, Equifax and Trans Union.
Close Fraudulent Accounts
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Close any accounts that have been breached or were opened fraudulently. This will require obtaining a copy of your credit report. You can get one for free when you place fraud alerts on your file.
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File Fraud Report with FTC
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File a complaint with the Federal Trade Commission. This report will help law enforcement track identity thieves and provide back up for the police report. You can also file a report with the Social Security Administration.
File Police Report
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File a police report with your local law enforcement officials.
Send Fraud Reports to Creditors
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Begin the process of contacting creditors that issued the fraudulent accounts and send them copies of the FTC and police reports that indicate you have been a victim of fraud.
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