- Make sure you change your passwords for all online accounts. When changing your password, make it long, strong and unique, with a mix of upper and lowercase letters, numbers and symbols. You also may need to contact your bank and other financial institutions to freeze your accounts so that the offender is not able to access your financial resources.
- Close any unauthorized or compromised credit or charge accounts. Cancel each credit and charge card. Get new cards with new account numbers. Inform the companies that someone may be using your identity, and find out if there have been any unauthorized transactions. Close accounts so that future charges are denied. You may also want to write a letter to the company so there is a record of the problem.
- Think about what other personal information may be at risk. You may need to contact other agencies depending on the type of theft. For example, if a thief has access to your Social Security number, you should contact the Social Security Administration. You should also contact your state Department of Motor Vehicles if your driver’s license or car registration are stolen.
- File a report with your local law enforcement agency. Even if your local police department or sheriff’s office doesn’t have jurisdiction over the crime (a common occurrence for online crime which may originate in another jurisdiction or even another country), you will need to provide a copy of the law enforcement report to your banks, creditors, other businesses, credit bureaus, and debt collectors.
- If your personal information has been stolen through a corporate data breach (when a cyberthief hacks into a large database of accounts to steal information, such as Social Securitynumbers, home addresses, and personal email addresses), you will likely be contacted by the business or agency whose data was compromised with additional instructions, as appropriate. You may also contact the organization’s IT security officer for more information.
- If stolen money or identity is involved, contact one of the three credit bureaus to report the crime (Equifax at 1-800/525.6285, Experian at 1-888/397.3742, or TransUnion at 1-800/680.7289). Request that the credit bureau place a fraud alert on your credit report to prevent any further fraudulent activity (such as opening an account with your identification) from occurring. As soon as one of the bureaus issues a fraud alert, the other two bureaus are automatically notified.
For additional resources, visit the Identity Theft Resource Center at www.idtheftcenter.org or the Federal Trade Commission at www.ftc.gov/idtheft.