Thursday, May 19, 2022

How Does Your Social Security Number Get Stolen

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Use The Id Theft Affidavit

What To Do If Your Social Security Number is Stolen

Creditors may ask you to fill out fraud affidavits. The Federal Trade Commissions ID Theft Affidavit is accepted by the credit bureaus and by most major creditors. Send copies of the completed form to creditors where the thief opened accounts in your name. Also send copies to creditors where the thief made charges on your account, to the credit bureaus, and to the police. The form is available on the FTC Web site at ww.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. File a complaint of identity theft with the FTC. See their Web site at www.consumer.gov/idtheft The FTC keeps a database of identity theft cases that is used by many law enforcement agencies.

When You Don’t Have To Provide Your Sin

Some private-sector organizations may ask for your SIN. This practice is strongly discouraged, but it is not illegal.

Here are examples of when you don’t have to give your SIN:

  • proving your identity
  • completing a job application before you get the job
  • completing an application to rent a property
  • negotiating a lease with a landlord
  • completing a credit card application
  • cashing a cheque
  • applying to a university or college

Verify Your Social Security Number & Wages

After you apply for benefits, we send you documents that include your name, the last four digits of your SSN, and wage records from your last employer. Check all documents carefully to ensure that we have the right name, SSN and wages on your claim.

An error could be due to a simple mistake such as a typing error or it could be due to someone else using your SSN.

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What Can Someone Do With Your Social Security Number

When we lose most of our stuff, our biggest concern is related to the money we spent on it. But in the case of a social security number card, its not at all about the money. Its all about the wrong use that can happen after your social security card is stolen or lost or if you accidentally gave up your social security number to a scammer.

So if your question is, what happens if I lost my social security card, then heres the list of all the possible unwanted actions that an identity thief or a scammer can take with your SSN card.

Social Security Cards: Documents Required To Obtain A Social Security Number And Card Or A Replacement Card

What to Do When Your Social Security Number Is Stolen ...

If an individual is unable to conduct business online, check the online ;field office locator for specific information about how to directly contact a local office in your area. The National 800 number is 1-800-772-1213 and; .

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The following information was obtained from the U.S. Social Security Administrations web page at: .

To Obtain a New Social Security Number and Card you will need to provide at least two documents to prove age, identity, and U.S. citizenship or current immigration status.

The new online service allows individuals to get replacement Social Security cards through the Social Security Administration website at:;www.socialsecurity.gov/ssnumber

To Obtain a Replacement Card, if lost or stolen, you must prove your identity and U.S. citizenship.

To prove identity: Social Security must see:

  • U.S. drivers license; or

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How Thieves Steal Social Security Numbers

There are a number of ways for identity thieves to get their hands on your social security number. Data breaches are one major way, and are unfortunately becoming increasingly common. The 2017 Equifax breach exposed more than 143 million social security numbers when cyber criminals exploited a vulnerability on the credit bureaus website. In addition to social security numbers, birthdates, addresses, drivers license numbers, and credit card numbers were stolen.

Of course, there are other methods for criminals to obtain this personal information, including sifting through trash to recover personal documents that contain identifying information. Its important to be careful how and where you dispose of documents.

Its also important to note that there are rarely legitimate reasons to divulge your social security number. Intake forms for a number of services often ask for this information, but that doesnt mean youre required to provide it. Most Americans assume they are required to give their social security number when a doctor or dentist requests it, for example, but that is not the case. For basic medical services, your insurance coverage identification number is typically sufficient. Before you readily give out this information consider if its really necessary to do so. And keep in mind that the fewer place you share your social security number, the lower your risk of it being stolen.

Your Social Insurance Number Is Confidential

If your SIN falls into the wrong hands, it could be used to obtain personal information and invade your privacy. When the SIN is not linked to you as its rightful owner, another person could receive your government benefits, tax refunds or bank credits. Your personal information could also be revealed to unauthorized people, which could lead to identity theft and other types of fraud.

If someone uses your SIN to work illegally or to obtain credit, you may suffer hardship. You could be requested to pay additional taxes for income you did not receive or you could have difficulty obtaining credit because someone may have ruined your credit rating.

There are a number of things you can do to protect your SIN:

  • provide your SIN only when you know that it is legally required
  • store any document containing your SIN and personal information in a safe placedo not keep it with you
  • contact Service Canada if you change your name, if your temporary citizenship status changes to a permanent resident status or if information on your SIN record is incorrect or incomplete
  • take immediate measures to protect your SIN when you suspect someone else is using your SIN fraudulently

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How Do I Protect My Identity If Ive Lost My Social Security Card

There are several things you can do to minimize the risk that your card or number will be used for illicit purposes.

  • Place a fraud alert | Contact one of the three major credit bureaus to place a fraud alert on your credit file. You may also want to place a credit freeze. And, while a;credit freeze;wont stop the majority of identity theft from occurring, it can alert you to suspicious activity and is an important part of layered protection against identity crime.
  • Review your financial statements | You should use to help watch your credit card and bank activity for suspicious activity and review your credit reports. Look over your report for any activity you did not authorize, such as opening a new credit card, and immediately report any fraudulent or inaccurate information to creditors.
  • Use an Identity Theft Protection Service | These services ensure that your credit and identity are monitored 24/7 by a team of pros who can also help you restore your identity if it is stolen. Make sure you understand exactly how identity theft protection works;before you sign up.

What Is Child Identity Theft

A warning about how hackers can use your stolen SSN

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

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Contact The Internal Revenue Service

You may also want to contact the Internal Revenue Service if you suspect an identity thief has filed a tax return in your name to get a refund. The IRS should also be on your list of contacts if you suspect someone is using your number for work purposes. Otherwise, the IRS could think you failed to report income when you file your own tax return. Use the IRS Identity Theft Central website or call 800-908-4490.

Can Someone Access My Bank Account Using My Social Security Number

Although a criminal may be able to steal your social security number and use it to access medical care, benefits and take out new accounts in your name, it is more complex when accessing your existing accounts.;

Luckily, identity thieves may find it quite challenging to access your bank accounts with your social security number. Most banks have requirements for additional pieces of identifying information to access your accounts, such as a passport utility bill. Most banks have added layers of security measures to prevent thieves from accessing your accounts, such as security questions and one-time passwords.

However, unfortunately, hackers can find identifying information and personal data to get into your accounts if you do not have the right kinds of protections in place on your computer or mobile device.

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How Can Someone Steal Your Identity

Identity theft occurs when someone uses your personal information such as your name, social security number, or other identifying information, without your permission, to commit fraud or other crimes.

Be alert to possible identity theft if the notice or letter states that:

  • more than one tax return for you was filed, or IRS records indicate you received wages from an employer unknown to you.
  • If you receive a notice, contact the IRS either by phone or in writing as directed in that notice.; IRS tax examiners will work with you and other agencies, such as the Social Security Administration, to help resolve the problem.

The IRS does not initiate taxpayer communications through e-mail.

  • The IRS does not request detailed personal information through e-mail.
  • The IRS does not send e-mails requesting your PIN numbers, passwords or similar access information for credit cards, banks or other financial accounts.

If you receive an e-mail from someone claiming to be the IRS or directing you to an IRS site,

  • Do not reply.

What Should I Do If My Identity Is Stolen

Stolen Social security numbers used for new fraud [Video]

Notify all your banks and financial companies as soon as you realize your identity has been stolen or an account is at risk. If you bank with us, . We’ll work with you to help correct any unauthorized transactions in your Chase accounts, fix any incorrect information weve sent to the credit reporting agencies and help protect you from any future identity theft or account fraud.

We also urge you to take these steps immediately:

  • TransUnion:
  • File a report with your local police. Even if the police can’t catch the identity thief, having a police report can help you clear up your credit records later on.
  • File a complaint with the Federal Trade Commission . Trained counselors staff the FTC’s identity theft hotline toll-free at . Or you can file a complaint by going to;www.ftc.gov/idtheft.
  • Fill out the Identity Theft Affidavit , which will help you when you tell other companies an identity thief has opened a new account in your name.
  • You can also check out these resources for more tips and information:

    Requirements for Requesting Credit Card Documentation

    We realize you may be a victim of credit card identity theft and would like details from a credit card application or account business records. Before we can send you specific details from any application or business record, were required by the FACT Act of 2003 and our own identity protection policies to obtain the following information from you:

    Chase Card Services

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    Why Would Someone Want To Steal Your Ssn

    Identity thieves want your social security number essentially so they can commit fraud and steal money.

    They do this by using your social security number in a variety of different ways such as:

    • Applying for jobs
    • Draining your existing bank account
    • Enrolling in health insurance
    • Getting medical treatment under your name
    • Signing up for a credit card
    • Applying for a passport
    • Filing a fraudulent tax return to the Internal Revenue Service
    • Getting a drivers license
    • Stealing your unemployment or social security benefits

    How Do I Apply For A New Or Replacement Social Security Number Card

    • You can get an original Social Security card or a replacement card if yours is lost or stolen. There is no charge for a Social Security card.

      You can use a;my;Social Security;account to request a replacement Social Security card online if you:

    • Are a U.S. citizen age 18 years or older with a U.S. mailing address.
    • Are not requesting a name change or any other change to your card.
    • Have a driver’s license or a state-issued identification card from one of the many participating states. If your state;does not yet participate;in this service, check back soon. More states are added regularly.

    If you cannot apply for a card online, you will need to provide the required documents.;We need to see different documents depending on your citizenship and the type of card you are requesting. See;Learn What Documents You Need;to find out what documents you will have to show. Fill out and print an;Application for a Social Security Card; and contact your;local Social Security office;or your;local Social Security Card Center;to find out your submission options.

    Note: If you are a U.S. Citizen, applying for a replacement SSN card, and choose to mail your application to your local office, you may use original or certified copies of secondary proofs of identity such as:

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    How To Protect Your Social Security Number With Identity Monitoring

    Worried that your personal information has been compromised? Looking for ways to level up your identity theft protection and keep your social security number and other valuable data safe?

    Identity monitoring may be the answer.

    IDShield works by scanning and monitoring your personal identifying information and sending you a fraud alert when there is any unusual activity. To protect your social security number and other PII, ID Shield monitors:

    • change of address requests
    • social media
    • websites that identity thieves use to trade stolen information

    IDShield offers protection beyond identity theft with complete privacy and reputation management services to help keep your online identity and personal information private.

    We have the most comprehensive coverage for identity protection and social security monitoring.

    Our plans include:

    Over half of consumers will experience identity theft each year; if you experience identity theft it can take an average of six months to restore your identity. Protect yourself now and avoid future stresses, headaches, and financial issues that come from identity theft and fraud.

    Learn how IDShield can help protect;sensitive personal information

    What Can Someone Do With My Social Security Number

    Did Someone Steal Your Social Security Number to File Taxes? Here’s What to Do

    Once your personal details have been discovered, thieves can either sell your identity to others or take advantage of services in your name. They can access medical care, file fraudulent tax returns, steal benefits, commit crimes, and open accounts in your name, all with your social security number.;

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    Request Additional Free Credit Reports

    California identity theft victims with a police report of identity theft are entitled to receive up to 12 free credit reports, one per month for the 12 months following the date of the police report. The procedure for requesting free monthly reports is different for each of the credit bureaus.

    Experian: Make a single request to receive all of your free monthly reports. Mail your request for 12 free monthly reports to Experian at P.O. Box 9554, Allen, TX 75013. Enclose a copy of the police report of identity theft, a copy of a government-issued identification card , and a copy of proof of current mailing address . Also provide your full name including middle initial , previous addresses for the past two years, Social Security number and date of birth.

    TransUnion LLC: Write or call in your request each month. Mail to TransUnion LLC, P.O. Box 2000, Chester, PA 19016. Or call the toll-free number printed on your most recent TransUnion LLC credit report. Provide your full name including middle initial , Social Security number, date of birth, and proof of residence .

    Equifax: Write or call in your request each month. Mail to Equifax Fraud Department, P.O. Box 740250, Atlanta, GA 30374. Or call the toll-free number printed on your most recent Equifax credit report.

    If You Are Wrongly Accused Of A Crime Committed By An Identity Thief

    “Criminal identity theft” is a label given to a particular type of identity theft. Criminal identity theft occurs when a suspect in a criminal investigation identifies himself or herself using the identity of another, innocent person. A special database in the California Department of Justice can help victims of this kind of identity theft. See our Consumer Information Sheet 8: How to Use the California Identity Theft Registry- A Guide for Victims of “Criminal” Identity Theft.

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    Place A Security Freeze

    Federal law allows;consumers to place and lift;a security freeze on their credit reports for free. A security freeze prohibits a credit reporting agency from releasing any information from a consumers credit report without written authorization. Note: placing a security freeze on your credit report may delay, interfere with, or prevent the timely approval of any requests you make for new loans, credit, mortgages, employment, housing or other services.

    Freezing a minors credit file:

    Federal law also now allows;parents, guardians, and representatives acting on behalf of a young person in foster care, to freeze a minor childs credit report. In this instance, a minor;is someone 16 years old or younger.;

    If the child does not have a credit report , parents and guardians may request that;the credit reporting agency create a;credit report for the child in order to freeze it.;

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