Friday, May 20, 2022

Can Someone Block Your Social Security Number

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When Not To Provide Your Sin

If Asked For Social Security Number, Keep These 3 Things In Mind

Some businesses may ask for your SIN. This is strongly discouraged, but not illegal.

For example, you do not have to provide your SIN to:

  • prove your identity
  • apply for a job
  • negotiate a lease with a landlord
  • apply for a credit card
  • cash a cheque
  • complete some banking transactions
  • complete a medical questionnaire
  • sign up for cell phone, Internet or TV services
  • write a will
  • apply to a university or college

Types Of Fraud Alerts

Each credit reporting agency will allow you to set up one of three fraud alerts types:

  • Initial fraud alert
  • Extended fraud alert
  • Active military fraud alert

Each fraud alert serves a different purpose. Its important to decide whether your situation requires any of these options. It is unlikely that you will be able place multiple types of fraud alerts on any one account, so if youre unsure of which one you need, you may want to contact one of the credit reporting agencies, such as Experian, describe your situation, and allow them to help you decide how best to proceed.

Lets explore each of these types of alerts in more detail.

If Someone Uses Your Social Security Number To Claim Unemployment Benefits Or To Work

If you suspect that someone else has claimed unemployment benefits using your Social Security number, call the California Employment Development Departments toll-free Fraud Hotline at 1-800-229-6297. For more information, see their Web site at www.edd.ca.gov. Search on the site for “fraud.” Sometimes, an identity thief will use someone elses Social Security number to be eligible to work. Its a good idea to check your Social Security earnings record to see if income earned by a thief is being posted to your account. You can get a copy of your earnings record by calling 1-800-772-1213. Or get a Request for Social Security Statement at www.ssa.gov/online/ssa-7004.html. If you believe a thief is using your Social Security number to work or claim Social Security benefits, call the Social Security Fraud Hotline at 1-800-269-0271. Or report Social Security benefits fraud online at www.ssa.gov/oig/hotline/index.htm..

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What Is Child Identity Theft

Child identity theft happens when someone takes a childs sensitive personal information and uses it to get services or benefits, or to commit fraud. They might use your childs Social Security number, name and address, or date of birth. They could use the stolen information to

  • apply for government benefits, like health care coverage or nutrition assistance
  • open a bank or credit card account
  • apply for a loan
  • sign up for a utility service, like water or electricity
  • rent a place to live

Take Action If You Are A Victim

How to Block Your Social Security Number

There are steps you can take if your Social Security number or other personal information is compromised.

If your Social Security number is compromised and you know or suspect you are a victim of tax-related identity theft, the IRS recommends these actions:

  • Respond immediately to any IRS notice: Call the number provided.
  • If your e-filed return is rejected because of a duplicate filing under your Social Security number, or if the IRS instructs you to do so, complete IRS Form 14039, Identity Theft Affidavit PDF. Use a fillable form at IRS.gov, print, then attach the form to your return and mail your return according to instructions.
  • Visit IdentityTheft.gov for steps you should take right away to protect yourself and your financial accounts.

See Identity Theft Victim Assistance: How It Works for more information about how the IRS can help you.

If you previously contacted the IRS and did not have a resolution, contact us for specialized assistance at . We have teams standing by to help you.

Fraudulent Returns

If you believe someone has filed a fraudulent return in your name, you can get a copy of the return. See Instructions for Requesting a Copy of Fraudulent Returns.

Dependents

Data Breach

Not all data breaches or computer hacks result in tax-related identity theft. Its important to know what type of personal information was stolen.

Assigned an EIN Not Requested

Some tips:

Phishing Emails and Scams

You can report other suspicious online or emailing phishing scams to .

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Identity Theft Victim Checklist

  • Information Sheets
  • Identity Theft Victim Checklist
  • This checklist can help identity theft victims clear up their records. It lists the actions most identity theft victims should take to limit the damage done by the thief. For more information, see the Web sites of the Federal Trade Commission at , the Identity Theft Resource Center at www.idtheftcenter.org, and the Privacy Rights Clearinghouse at www.privacyrights.org

    Know The Signs Of Identity Theft

    You may not know youre a victim of identity theft until youre notified by the IRS of a possible issue with your return.

    Be alert to possible tax-related identity theft if:

    • You get a letter from the IRS inquiring about a suspicious tax return that you did not file.
    • You cant e-file your tax return because of a duplicate Social Security number.
    • You get a tax transcript in the mail that you did not request.
    • You get an IRS notice that an online account has been created in your name.
    • You get an IRS notice that your existing online account has been accessed or disabled when you took no action.
    • You get an IRS notice that you owe additional tax or refund offset, or that you have had collection actions taken against you for a year you did not file a tax return.
    • IRS records indicate you received wages or other income from an employer you didnt work for.
    • Youve been assigned an Employer Identification Number but you did not request an EIN.

    Also Check: At What Age Can I Draw My Social Security

    Who Can Access Frozen Credit Reports

    A credit freeze makes your credit reports inaccessible to most people, with a few exceptions:

    • You can access your own records, including getting your free annual credit reports. You can also check your free credit report summary and score from NerdWallet while your credit reports are frozen.

    • Your current creditors still have access, as do debt collectors.

    • In certain circumstances, government or child support agencies can see them.

    • You can still give permission to an employer or potential employer to check your credit .

    Write To The Credit Bureaus

    Scam alert: Your social security number isn’t suspended

    Write a letter to each credit bureau. Repeat what you said in your telephone call . Send copies of your police report and completed ID Theft Affidavit. Remind the credit bureaus that they must block or remove any information that you, as an identity theft victim, say is a result of the theft. Send your letters by certified mail, return receipt requested. Keep a copy of each letter. See the Sample Letter to Credit Bureaus on page 7.

    Equifax

    P.O. Box 2000Chester, PA 19016

    As an alternative, you may dispute items with the credit bureaus online. Look for “dispute” on their websites: equifax.com/home/en_us, experian.com, and transunion.com.

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    Dissecting The Social Security Number

    The nine digit social security number is grouped into three parts the area number, group number, and serial number.

    The Area Number

    The area number is the first grouping in the social security number. Originally, the area number indicated the location of the Social Security Administration office where an SSN was issued . Individuals could apply at any office, so the area number was not an indication of where they lived or worked. This changed in 1972 when the Social Security Administration began issuing SSNs from its Baltimore headquarters and assigning area numbers based on the applicants mailing address.

    Anyone who applied for a social security number between 1972 and 2011 will have an area number that correlates to the mailing address listed on their application . However, the area number cannot be used to determine residence since you can have mail sent to any location. In 2011, the SSA changed the way area numbers are assigned yet again to a system called randomization. Anyone applying for an SSN after June 25, 2011 has received a randomized area number that has no correlation to any location .

    The Group Number

    The middle section of numbers is simply there to make administration easier for the SSA. The group number ranges from 01 to 99 and allows Social Security Numbers with the same area number to be broken into smaller pairings. Geographic data is not indicated by the group number.

    The Serial Number

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    +what Do I Do Next If I Will Work On Campus

    All new employees at the University of Minnesota must complete an I-9 Form at Payroll services on or before their first day of employment. If you have not already, review the process to ensure you will complete all of the necessary steps.

    Once you receive your Social Security card and number in the mail, you must bring your Social Security Number to your unit’s Human Resources office. It must be entered in the UMN’s Human Resources and I-9 system.

    If you are eligible for tax treaty benefits, you must make another appointment with Payroll Services to complete your tax treaty paperwork once you receive your Social Security Number. You will not be able to take advantage of any tax benefits until you report your SSN and complete this second appointment.

    Block Social Security Number

    Six steps to block credit card fraud

    Electronic and phone access to SSN information can be blocked by contacting the Social Security Administration directly. They will ask you to verify your identification and confirm your intention to block access to Social Security information.

    Blocking your number will prevent access by anyone, including you. If conditions change or you need access to your information, the block can be lifted either permanently or temporarily by contacting the Social Security Administration.

    For questions and assistance with blocking your SSN, you also can call the Social Security Administration toll-free at 1-877-772-1213, or visit a Social Security office.

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    What To Do If You Lose Your Social Security Card

    Reading time: 5 minutes

    Highlights:

    • Your Social Security number can be valuable information for identity thieves
    • Consider placing a security freeze or fraud alert on your credit reports if your Social Security card is lost
    • If you know your Social Security number has been stolen, there are some additional steps you can take

    Your Social Security number is a valuable piece of information to identity thieves. Its a key element of your identity and is also linked to taxes and credit information. And except in limited circumstances, it cant be changed. Thats why its so worrisome to have your card lost or stolen.

    Here are some steps to take for a lost or stolen Social Security card:

    1. Consider placing a fraud alert or a security freeze on your credit reports or locking them. With an initial fraud alert, potential lenders and creditors are encouraged to take additional steps to verify your identity, such as contacting you by phone, before extending new credit. A fraud alert lasts for one year and can be renewed. Fraud alerts are free. Contact one of the three nationwide credit bureaus Equifax, Experian or TransUnion to request a fraud alert, and that bureau will notify the other two.

    Options for locking your credit report may also be available from the three nationwide credit bureaus. Learn more about fraud alerts, security freezes and credit report locks.

    You might also consider calling the Social Security Administration at 772-1213 to report the lost card.

    How Locking Your Social Security Number Works

    Locking your Social Security number is a simple process of accessing the governments myE-Verify website. The site walks you through the necessary steps:

  • Create an account
  • Enter your Social Security number and your date of birth
  • Take a short quiz
  • Set up three challenge questions so you can prove youre really you when you want to access your account again
  • The lock lasts for a year unless you take steps to reverse it, and youll be notified in advance when the lock is about to expire so you can renew it if you want to.

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    Heres How To Check Your Childs Credit Report

    To check your childs credit report with Equifax and Experian, do the following:

  • Contact one of the credit reporting agencies and explain that you need to obtain a credit report for a minor child.
  • Provide the required identification: government issued ID, such as a drivers license proof of address copy if childs birth certificate and social security card childs full name, including middle name and generation childs date of birth and any previous addresses from the past two years).
  • Mail or fax the required documentation to the credit reporting agency using the mailing addresses found about. Note: for Equifax, add Minor Child to the company name to ensure faster retrieval to the right department.
  • To check your childs credit report with Transunion, do the following:

  • Use Transunions Child Identity Theft Inquiry form.
  • If Transunion locates a credit report is open for your child, it will ask for more information to verify your identity. This information can be submitted using the mailing address found above, or via a fax number Transunion if Transunion provides one.
  • What Does Your Social Security Number Say About You

    Steps you should take if your social security numbers stolen

    For the average American, the Social Security Number holds special significance. It follows you from birth to death and can act as a key to a variety of sensitive information bank accounts, tax returns, drivers license information, residences, etc. However, even though you likely know your social by heart, you probably dont know what those nine digits actually reveal. Todays blog explores the history and significance of the social security number and how the SSN is used in the background screening industry.

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    Contact One Of The Three Major Credit

    To speak to Equifax, call its customer care number at 1-888-766-0008 or visit this web page to place a fraud alert. To start an Equifax credit freeze online, you’ll have to create an Equifax account, but you can do so without creating an account by calling 1-800-349-9960.

    To contact Experian, call 1-888-397-3742 or go here for a fraud alert or here for a credit freeze. For TransUnion, the phone number is 1-800-680-7289 the fraud-alert link is here and the credit-freeze link is here.

    A credit freeze can be inconvenient, but it’s the better option. With a freeze, no potential lender can access your credit file without your approval. That can be a bother if you plan to move, open a new bank account, buy a car or switch phone carriers, but you can easily “unfreeze” your credit and then freeze it again.

    Thanks to a 2018 law, credit freezes are now free to implement, but you must contact each of the Big Three credit-reporting agencies separately to set them up.

    Fraud alerts are easier to place the agency you place one with will contact the other two but they aren’t as useful. A fraud alert just requests that anyone pulling your credit file contact you first, but they don’t actually have to.

    You can renew a fraud alert every year . Contact the Social Security Administration only to get a replacement card or replacement number .

    How To Know If Your Social Security Number Has Been Stolen

    People often find out their Social Security number has been stolen when they go to open an account or file their taxes and find out someone else has already done so using their name. However, other warning signs someone has stolen your SSN include:

    • Getting mail in someone elses name
    • Receiving debt collection calls when you havent defaulted on anything
    • Receiving new credit or debit cards in the mail you didnt request

    One of the best ways you can make sure no one has stolen your SSN is to keep an eye on your credit report. Regularly checking your credit report and bank accounts can ensure you catch that something may be amiss as soon as possible. If you see an error or an account you dont recognize, make sure to follow up with the financial institution. It may just be an errorwhich will need to be addressed anywaybut its better to be safe than sorry.

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    Our Million Dollar Protection Package

    Personal Expense Compensation

    We will cover you for personal expenses incurred as a result of identity theft, up to the limits of your plan.

    Reimbursement of Stolen Funds

    If your money is stolen due to ID theft, we will reimburse up to the amount provided by your plan.

    Coverage for Lawyers and Experts

    If you become a victim of identity theft while a LifeLock member, we will provide the necessary lawyers and experts if needed to help resolve your case.

    Reimbursement and Expense Compensation, each with limits of up to $1 million for Ultimate Plus, up to $100,000 for Advantage and up to $25,000 for Junior and Select, when purchased in Norton 360 with LifeLock plans. And up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company . Policy terms, conditions and exclusions at: NortonLifeLock.com/legal.

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