Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes (United States). If you think your identity has been stolen, there are several steps you should take to minimize the risk of monetary loss or legal problems. First, you should contact the fraud department of any one of the three consumer reporting companies to place a fraud alert on your credit report. Equifax, Experian and TransUnion all have toll-free numbers and web sites where they can be reached to place the alert. Once you place the fraud alert in your file, you are entitled to order free copies of your credit report. With the credit report, look for inquiries from companies you have not contacted, accounts you did not open, and debts on your accounts that you cannot explain. Check that information such as your name, Social Security number, address, and employers are correct. If you find fraudulent or inaccurate information, advise the credit reporting company and ask to have it removed. If you have accounts of any kind that appear to have been tampered with, close them. File a report with your local police or the police in the community where the identity theft took place. Then, get a copy of the police report in case you need to show it to creditors who need proof of the crime. You should also file a complaint with the Federal Trade Commission. This can help law enforcement officials across the country track down identity thieves and stop them.
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