Identity theft is a serious crime. It can hurt your credit, leave you stuck with bills that aren’t yours, and create problems that could haunt you for years.
Someone who has stolen your identity might be able to
- empty your bank account,
- use your credit cards,
- open up new utility accounts in your name,
- get medical treatment on your health insurance,
- file a tax refund in your name and get your refund, or
- give your name and information to police during an arrest.
They could do these things by using your
- name and address,
- credit card or bank account numbers,
- Social Security number,
- medical insurance account numbers, or
- other personal information.
How can I tell if I’m a victim of identity theft?
There are many different clues that someone else has stolen your identity:
- You see unexplained bank withdrawals.
- You’re not getting expected bills or other mail.
- A store won’t accept your check, debit card, or credit card.
- You get calls from debt collectors about unfamiliar debts.
- There are unexplained accounts or charges on your credit report.
- You get bills from medical providers for unexplained services.
- Records show you’ve reached your medical benefit limit even though you believe you haven’t.
- The IRS tells you that more than one tax return was filed in your name or that you have income from an employer that isn’t yours.
- A company you’ve done business with or have an account with tells you that there has been a data breach of personal information.
Remember: If you lose your wallet, credit card, Social Security card, or passport, you should immediately take steps to protect yourself from identity theft.