How to Report Identity Theft
Identitytheft.gov is a one-stop-shop for information and reporting identity theft. Begin with that site, managed by the Federal Trade Commission, and follow the procedures it recommends for creating a recovery plan. You may also need to notify your local police agency, the US Postal Service, and credit bureaus. The IRS offers a phone number for identity theft at 800-908-4490 and a taxpayer guide to identity theft on its website.
You can also contact your credit card company directly if your card was lost, stolen, or used without your knowledge. If it appears that someone else utilized your health benefit, notify your health insurance and consider contacting any associated providers to ensure that someone else’s health history is not combined with yours.
What happens if you report identity theft?
Reporting identity theft initiates an investigation and the process of recovering your good name. The specific methods will vary depending on the sort of identity theft.
Credit card companies usually replace the cards with new ones with a different number, and you’re back in business. Taxpayer identity theft or benefit theft is often resolved more slowly.
Keep detailed notes on phone conversations and emails relating to identity theft, regardless of the kind.
What is the best service for preventing identity theft?
Identity theft protection services notify you if your identifying information has been utilized or is in danger due to a data breach. Suppose you are a victim of identity theft. In that case, they may also advise you — and reimburse you for fees incurred — through the process of clearing up the mess and recovering your identity.
Suppose you’ve done everything you can to safeguard your identity or don’t have time to do so. In that case, you might want to think about using an identity theft protection service. Protections differ but must include additional ways to protect your privacy and other services. The ideal paid service matches your budget and provides the coverage you require.
But, before you pay for one, make sure you don’t have an identity theft benefit or discount that you’re not taking advantage of. For example, suppose the 2017 Equifax data breach harmed you. In that case, you are entitled to identity restoration services even if you did not register a claim.
