They Can Use Your Ssn To Open A Phone Account In Your Name
Its easy for criminals to open a phone account in your name if they have your name, address and SSN, Focht said. One of his clients learned that her SSN had been stolen when she received a Verizon Wireless bill. It turned out that someone had opened an account in her name, then purchased several expensive phones, charging them to the account.
What was particularly irksome in her case was that the accounts were opened using an address the client hadnt lived at for more than a decade, Focht said.
Pro tip: Focht said that phone companies usually have fraud departments to deal with stolen services. Immediately let the department know what is going on, and then follow up with a letter. You might need to send a copy of that letter to the credit agencies if the issue shows up on your credit report.
If Someone Else Uses Your Social Security Number What Social Security Can Do
If you suspect that someone else is using your number for work, you should report it to Social Security.You also can check your earnings record by calling 1-800-772-1213 and asking for a Personal Earnings and Benefit Estimate Statement. You may also download the form from us. Your statement will show the earnings reported to your Social Security number each year since 1951. If you find that too much or too little is reported for your number, notify Social Security. We will help you correct your record.
What Is A Social Security Number For
Your Social Security is a nine-digit number thats a unique identifier for you for government purposes. Its usually assigned upon birth in the United States, but if you had an undocumented birth or your parents didnt ask for a SSN, you may need to request one as an adult.
Your SSN is very important and is required for several things, such as:
- Filing taxes
- Opening credit card and bank accounts
- Getting a passport
- Filing legal documents
Because your SSN is a unique identifier, its usually not possible to be assigned another one. There are some exceptions in extreme cases, such as if youre changing your identity for safety purposes. Its very difficult to get a new SSN, and the approval process is long.
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Your Social Security Card
Whether youve lost your social security card or someone an acquaintance used the number, this is another common way that someone has obtained this information. Keeping your social security card safe, not keeping it in your wallet, and making sure that no one can get to it is another way to protect your identity.
Applying For New Credit Cards And Loans
A Social Security number can be used to open new credit cards and apply for loans. This activity may go on as long as the credit score of the victim remains high enough for approval of each new account. Inevitably, as new credit card and loan payments continue to go unpaid, the victim’s credit score will drop to a point where applications for fraudulent accounts start getting declined. Declined applications for credit cards or loans may be the first indication of a big problem for a victim who isn’t yet aware of the fraudulent activity.
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File A Fake Tax Refund
One rising scheme is tax identity theft. This is when an identity theft uses your stolen Social Security number to file and collect a fake tax refund under your name. This can then delay or even rob you of the tax refund that you are owed.
If your tax refund gets rejected as a duplicate then its likely that a scammer has beaten you to the punch. One way to combat this is to file your taxes early so a would-be tax identity thief will have fewer opportunities to file a fake refund before you. But of course, this also means your Social Security number has been compromised and your problems go beyond fake tax refunds.
Get A Social Security Statement
The Social Security Administration maintains an online service that lets you find out what you have paid into Social Security, how many hours of work your employers have reported each quarter, and what your expected benefits would be if you were to retire or go on disability in the near future.
You may think that would be wonderful since the worker reporting hours to your Social Security account is moving you closer to vesting your Social Security benefit, but in fact, you can have your expected Social Security payments greatly reduced if someone is reporting low-wage labor to your account. So you want to clear up any double-dipping of your Social Security account.
Requesting your statement is straightforward. You will need to create a my Social Security account if you dont already have one. You can access the sign-in/account creation page here. Once logged in, you can request a Social Security statement to print out from your account. If you prefer a low-tech approach, you can fill out a request form and mail it in, and get a statement mailed to you in 4 to 6 weeks.
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Social Security Number Misuse
Sometimes more than one person uses the same Social Security number, either on purpose or not. You should let us know if someone is using a Social Security number that belongs to someone else.
Also, the Social Security card should not be used as an identification card.Because the Social Security card doesn’t have a photograph, other records are more reliable when identification is needed, such as cashing checks.
It is against the law to use someone else’s Social Security numberor to give false information when applying for a number. Also, it is illegal to alter, buy, or sell Social Security cards. Anyone convicted of these crimes is subject to stiff fines and/or imprisonment.
Social Security Offers Three Options To Verify Social Security Numbers:
How to get someone’s social security number online for free. The first three digits, is assigned by geographical region. The middle two digits are the group number. Can you find someone by their social security number for free?
How to get someone’s social security number online for free. If you want to check or validate ssn status online, here is a us ssn validator. Social security numbers are classified as personally identifiable information, such as drivers license numbers and passport id.
As long as you have a permissible purpose to get someones ssn, all we will need is their full name, age or date of birth and address. Depending on exactly what youre trying to do, you may be able to run an ssn search for free, but there are often limitations on the information. How to get someone’s social security number online for free.
Workers wages and track how much social security they were entitled to. If we can’t find your subject’s social number, we will refund your money.. Accessing someone elses ssn information is a crime, so you better have a good reason to do.
Use zosearch to find someone by their social security number the simplest way to find someone by their social security number is with the help of zosearch. Then, well tell you if the ssn is valid . You simply enter the ssn into our free ssn verification tool.
Social security offers three options to verify social security numbers:
4 Ways To Verify A Social Security Number Wikihow
Important Resources For Identity Theft Victims:
Did you know that it is illegal for collection agencies to harass you once you have notified them that the debt is due to Identity Theft? Here are some steps to take if you find yourself in this situation:
- Contact the fraud department of any one of the three major credit bureaus to place a fraud alert on your file.
- Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit when disputing new unauthorized accounts.
- File a police report where you live.
- Get a copy of the report or report number.
- Contact any of the other agencies specific to your particular type of Identity Theft.
- File your complaint with FTC.
- Follow up in writing. Attach a police report/number along with any other documentation you may have. Send Certified Mail – Return Receipt Requested.
- Document everything!
How To Check If Someone Else Is Using Your Social Security Number
The rise of technology has brought new threats to your personal data and its security. Identity theft is a crime that strikes at the heart of a modern citizens wealth, employment, social services, and more. Our identity specifically, the electronically-encoded identity that serves as the gateway to our bank accounts, to our home security systems, to our e-mail and network resources can be stolen by unscrupulous people and used for crimes great and small.
At best, an identity thief may use part of your identity as the launchpad for some phony persona that they are using to commit acts of fraud and light scams. At worst, they can drain your bank accounts, destroy your credit rating, and wipe out your hard-earned retirement benefits. Identity theft is not a minor crime in 2018, more than 60 million Americans reported that they were affected by identity theft.
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What Should You Do If You Think Your Social Security Number Has Been Stolen
If you think your SSN has been stolen, you should immediately reach out to your banks, credit card companies and other financial services providers to let them know. Youll also want to inform the three main credit bureaus. Its a good idea to file a police report to have an official record, and make sure to check the FTCs official recommendations, which list who to notify and how.
Having your identity stolen can wreak havoc on your personal and financial life, but being as careful as possible with your SSN can help protect you. If you do find yourself the victim of identity theft or fraud, you may need to seek help from a or legal counsel.
Reviewed by Anna Grozdanov, Associate Attorney at Lexington Law Firm. by Lexington Law.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Other Reasons For Changing A Social Security Number
There are several other reasons that the SSA will issue a new number. For example, it may approve a change if similar numbers within a family unit cause confusion or if two identical numbers have been issued in error. If you have a religious objection to a certain number or sequence of numbers in your current SSN, you may also qualify for a change.
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Some Id Theft Is Not For Profit But To Get A Job
- Read in app
By John Leland
Camber Lybbert thought it was a mistake when her bank told her that her daughters Social Security number was on its files for two credit cards and two auto loans, with an outstanding balance of more than $25,000. Her daughter is 3 years old.
For Ms. Lybbert and her husband, Tyson, the call was the beginning of a five-month scramble trying to clear up their daughters credit history. As it turned out, an illegal immigrant named Jose Tinoco was using their daughters stolen Social Security number, not in pursuit of a financial crime, but to get a job.
From what Ive picked up, he wasnt using it maliciously, said Ms. Lybbert, who lives in Draper, Utah. He was using it to have a job, to get a car, provide for his family. My husbands like, Dont you feel bad, youve ruined this guys life? But at the same time, hes ruined the innocence of her Social Security number because when she goes to apply for loans, shes going to have this history.
Though most people think of identity theft as a financial crime, one of the most common forms involves illegal immigrants using fraudulent Social Security numbers to conduct their daily lives. With tacit acceptance from some employers and poor coordination among government agencies, this practice provides the backbone of some low-wage businesses and a boon to the Social Security trust fund. In the 1990s, such mismatches accounted for around $20 billion in Social Security taxes paid.
Request For Identity Verification From The Irs
When the IRS stops a suspicious tax return filing, they may send a letter called “Letter 5071C” asking that you verify your identity. It will include a couple ways to verify it: via a phone number or through the IRS’s Identity Verfication Service, .
This online service is the quickest method and will ask you multiple-choice questions to verify whether or not the tax return flagged for further identity verification was filed by you or someone else. The IRS only sends such notices by mail. The IRS will not request that you verify your identity by contacting you by phone or through email. If you receive such calls or emails, they are likely a scam.
If you can’t confirm your identity using the IRS’ online Identity Verification Service, you can call the IRS at the phone number included in the letter.
When confirming your identity, you will need:
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Different Types Of Identity Theft
Identity Theft and your Driver’s License Number / Fraud
- If your driver’s license number has been used to open accounts or verify checks, contact your state’s Department of Motor Vehicles.
Identity Theft / Fraud Involving Your Passport
- Notify the U.S. State Department’s Passport Services Department of the identity theft so that it can intercept anyone ordering a new passport in your name.
When dealing with authorities regarding your Identity Theft issues:
How To Change Your Social Security Number
To change your SSN for any reason, you must apply in person at a local Social Security office. You can find its address and phone number using the Social Security Office Locator.
After providing a statement explaining why you need a new number, you must provide credible, third-party documentation of your reason, including medical, legal, or police documents regarding identity theft, abuse, or harassment.
You will need to fill out a new Form SS-5, the same one that you may have filled out to apply for a Social Security number and card in the first place. It asks a series of questions, including whether you or someone acting on your behalf ever filed for or received a Social Security number and card before and, if so, under what name.
In addition, you must provide documentation of your U.S. citizenship or legal residency, age, identity, and current SSN. If you changed your name legally in the past, you’ll also need to provide supporting documentation of that.
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How To Get Someones Social Security Number
Finding a social security office might not exactly seem like a necessary task, that may be until an individual requires a social security number for various purposes including applications for loans or benefits. It may also be necessary for having a passport. To have your ssn, you can check out a find out someones social security number office.
When Is It Legal To Find Someones Social Security Number
You may think that it sounds more like a plan for identity theft that legal and lawful behavior, but there are times when youll need to find someones security number.
3 Legal Reasons to Find Someones SSN:
How do you know if your situation counts as one of those times?
1. Someone owes you money
Lets say your exs child support payments arent coming in like theyre supposed to. If all of your other tactics to get him to pay have failed, youre well within your legal rights to find his Social Security number and use it to garnish his wages.
Searching for SSNs isnt just for child support evaders, though. Youve also got the law on your side if youre going to use the information to recover civil judgments and other debts that are owed to you.
2. You need to send a 1099
Did you know that if you turn in a 1099 without your freelance employees Social Security number on it, it counts as an incorrect 1099 which opens you up to a sea of questions, penalties, and headaches from the IRS? In fact, you can be fined up to $50 every time you dont include a Social Security number on a 1099 form!
So, what happens if your freelance employee wont give it to you?
You dont have to sit around and wait for the IRS to punish you. Instead, you can search for his SSN on your own. That way, your form wont be incorrect or incomplete.
3. You need to prove someone is on active military duty
So, if youre in one of these situations, what do you do next?
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