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Reporting Identity Theft: How to Detect and Who to Contact?

Reporting Identity Theft: How to Detect and Who to Contact? image
Updated: November 7th, 2023
Identity theft is a grave issue that affects millions of individuals annually, causing significant financial and emotional distress. As technology advances, the avenues for identity theft multiply, emphasizing the importance of awareness and prompt action.
In this blog, we aim to guide readers through the crucial steps of reporting identity theft, highlighting who to contact and when to mitigate potential damage and prevent further misuse of personal information.

Early Signs of Identity Theft

Detecting identity theft at an early stage can significantly minimize its impact. Some of the early signs include:
  • Unrecognized charges on financial statements:

    Regularly review your bank and credit card statements for unfamiliar transactions. Even small, insignificant amounts could be identity thieves testing the waters.
  • Credit report discrepancies:

    Obtain your credit reports from different bureaus annually or more frequently, if possible, checking for unfamiliar accounts or unexpected changes in your credit score.
  • Missing mail or emails:

    If expected bank statements or bills don't arrive, or you start receiving unexpected credit card statements, it could indicate identity theft. Ensure your mailing address hasn’t been changed without your authorization.
  • Unfamiliar accounts or charges on credit report:

    Promptly investigate any unfamiliar accounts or charges appearing on your credit report, as these could be signs of identity theft.

Immediate Steps to Take

Once you suspect identity theft, act swiftly to minimize damage:
  • Placing a fraud alert on credit reports:

    Contact one of the major credit bureaus to place a fraud alert on your credit reports. This alert requires creditors to verify your identity before issuing new credit.
  • Obtaining and reviewing credit reports:

    Get your credit reports from all three major credit bureaus to understand the extent of the identity theft and review them for any further unauthorized activity.
  • Reporting to the local police:

    File a report with your local police department. Provide all the evidence you have, and ensure you obtain a copy of the report for your records.
  • Documenting all steps and communications:

    Keep a detailed log of all actions taken, including dates, times, whom you spoke to, and the information provided. This documentation may be crucial when disputing fraudulent charges or accounts.

Reporting to the Right Authorities

Now that you've taken initial steps, it's time to report to the appropriate authorities:

A. Federal Trade Commission (FTC):

  1. Filing a report online:

    Visit the FTC’s identity theft reporting website and provide detailed information about the theft.
  2. Importance of reporting to the FTC:

    Reporting to the FTC helps in gathering nationwide data about identity theft, aiding in policy and law enforcement actions to combat this issue.

B. Your Financial Institutions:

  1. Contacting banks and credit card companies:

    Notify all your financial institutions about identity theft, and follow their advice on the next steps to secure your accounts.
  2. Disputing fraudulent charges:

    Dispute any fraudulent charges on your accounts and keep records of all communications for future reference.
These initial steps and the subsequent reporting to the relevant authorities form the cornerstone of your response to identity theft. Acting promptly and methodically can help curb the damage and secure your personal information against future thefts.

Protecting Yourself from Future Incidents

After addressing the immediate concerns of identity theft, it’s vital to establish measures to protect yourself from future incidents:
  • Regularly monitoring credit reports and financial statements:

    Stay vigilant by frequently reviewing your financial statements and credit reports for any discrepancies. Sign up for free credit monitoring services if available.
  • Setting up account alerts:

    Many financial institutions offer account alerts for any unusual activity or transactions exceeding a specified amount. These notifications can provide real-time awareness of potential unauthorized activity.
  • Consider investing in identity theft protection services:

    Identity theft protection services offer an additional layer of security by monitoring various databases and networks to detect fraudulent use of your personal information.

Other Important Contacts

In certain cases, other organizations may need to be contacted:
  1. Internal Revenue Service (IRS) if tax fraud is suspected:

    If you suspect that your Social Security number has been used fraudulently for tax purposes, report this to the IRS to prevent tax-related identity theft.
  2. Social Security Administration if Social Security number is misused:

    Reporting misuse of your Social Security number to the Social Security Administration can help in preventing fraudulent use of your identity for benefits or work.


Identity theft is an alarming and invasive crime that can have long-term implications on your financial well-being. By taking quick action, reporting to the right authorities, and setting up protective measures, you can mitigate the damage and secure your personal future. This guide provides a structured approach to handling identity theft, ensuring you cover all bases in the reporting and resolution process.
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