Sunday, August 14, 2022

What To Do If Someone Using Your Social Security Number

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Someones Got Your Number What Can You Do

Steps you should take if your social security numbers stolen

Figuring out that someone has your Social Security Number is one thing. Fixing the problem is another. If you think someone is using your Social Security Number, you need to move quickly.

You have four things you need to do. You need to contact the Federal Trade Commission to report identity theft, contact the credit reference agencies to report the theft, contact the Social Security Administration, and contact your local police.

  • The FTC is at 1-877-438-4338 or . There is a form to complete to report identity theft.
  • Contact the three credit reference agencies and ask them to place a freeze on your credit report. This will prevent any new applications being created in your name. This will stop more debt from piling up.
  • Contact the SSA on 1-800-269-0271 or Log on to the IRS Identity Protection website to alert them and prevent any tax returns from being filed in your name.
  • Optionally, but recommended, alert the Internet Crime Complaints Center at . They alert other agencies that your SSN has been compromised.

Once all that has been done, report the crime to your local police. If you know how the theft took place, for example, you had your wallet stolen, the police will want to know where the theft would have happened, and what transpired.

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Write To The Credit Bureaus

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.

How To Protect Yourself: Identity Theft

Identity theft is a serious problem that affects millions each year. When an imposter uses your name, Social Security number , credit card number or any other form of personal information without your knowledge and permission, its a crime.

Unfortunately, sometimes victims remain unaware that their identity has been stolen until they receive monthly statements for credit card accounts they never applied for, credit reports including unfamiliar debts or monthly statements that include unauthorized charges.

If someone has stolen your identity, immediately take these three steps:

Take control of your identity.

Although identity thieves can destroy your personal finances, there are some things you can do to take control of the situation.

Some ways to handle the most common forms of identity theft are:

A- If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers and tax information or falsified change-of-address forms, that person has committed a crime. Report it to your local postal inspector. You may contact the United States Postal Inspection Service online at .

G- If any identity thief is using your name or SSN to obtain a drivers license, report it to your states Department of Motor Vehicles. Also, if your state uses your SSN as your drivers license number, ask to substitute another number.

Stay alert.

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What Is Identity Theft

Identity theft is when someone uses your personal or financial information without your permission.

They might steal your name and address, credit card, or bank account numbers, Social Security number, or medical insurance account numbers. And they could use them to

  • buy things with your credit cards
  • get new credit cards in your name
  • open a phone, electricity, or gas account in your name
  • steal your tax refund
  • use your health insurance to get medical care
  • pretend to be you if they are arrested

Stay Vigilant To Help Protect Your Personal Information

How Do I Find Out if Someone is Using My Social Security Number?

If your Social Security number and personal information fall into the wrong hands, it could take you months to undo the damage. Monitoring your credit helps prevent the likelihood of this happening. The sooner you catch fraudulent activity, the easier it can be to reverse.

However, if you find that someone is using your SSN, it’s possible to remove the activity from your credit file. Filing reports with the proper authorities can help reverse the impact of someone stealing your personal information.

Diligence with your credit is a round-the-clock effort. Tally1 makes it easier for you to keep track of your credit card accounts and manage your monthly payments with a low-interest line of credit.

1To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. The APR will be between 7.90% and 29.99% per year and will be based on your credit history. The APR will vary with the market based on the Prime Rate.

Privacy Policy Terms & Conditions Accessibility

4 Late Fee Protection With a Tally line of credit, late fee protection is available on linked credits cards for users who are current on their account, in good standing, and have provided accurate credit card and bank account information.

6The portion of your credit line that can be paid to your cards will be reduced by the amount of the annual fee.

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Signing Up For Credit Monitoring

Your credit card company or one of the credit bureaus may offer free credit monitoring, especially if you have previously been the victim of identity theft or a data breach. If not, you can purchase the service. These services monitor your credit reports for suspicious activity and alert you when a new account is opened using your information.

Direct Express Account Fraud

Comerica Bank is the U.S. Department of the Treasurys financial agent and is the issuer of the Direct Express Debit MasterCard card. Some people use this card to receive Social Security benefits and Supplemental Security Income. If you are a Direct Express debit card customer and suspect fraud related to your Direct Express card, call the Direct Express customer service number on the back of your debit card, or visit . More information regarding the Direct Express program is available at .

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Significant Changes In Your Credit Score

Your credit score is how the credit reporting agencies like Transunion, Equifax, and Experian track your credit history and creditworthiness. Your score is based on a number of factors like the length of time you have had credit, how much outstanding debt you have, and how many new accounts you have opened recently. If your score changes significantly, then it might be a sign that someone is using your SSN to open new credit accounts. If you notice this sudden change, then you should immediately get a copy of your credit report and examine it for accounts that do not belong to you.

An Extra Layer Of Protection: Trend Micro Id Security

Someone is Using My I.D., Passport, or Social Security Number for Identity Crimes

Here at Trend Micro, a world-leading cybersecurity company, we have an app specifically designed to meet the challenges that SSN theft brings. Available on Android and iOS, ID Security scours the dark web for any mention of your data in the event of it being sold or maliciously shared by cybercriminals. Its key features include:

  • Dark Web Personal Data Manager: Scours the dark web for data such as bank account numbers, drivers license numbers, passport numbers, and social security numbers.
  • Find out if someone has acquired your credit card number and put it on the dark web.
  • Email Checker: Find out if any of your email addresses have been leaked to the dark web. Youll be notified which exact account it is so you can take the appropriate counter-measures.
  • Password Checker: ID Security will notify you if youre using a password currently in circulation on the dark web.
  • Social Media Account Checker: Find out if your Facebook and Twitter Account have been breached and shared on the dark web.
  • A Comprehensive Monitoring Report

Simple, efficient, and easy-to-use, follow this link or scan the QR code below to try the free 30-day trial version today! If this article has been of use and/or interest to you, please do it with family and friends.

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Social Security Scams: What Can Someone Do With Your Ssn And How To Protect Yourself

A report by the Consumer Sentinel Network found that 3.2 million identity theft and fraud reports were made in 2019, resulting in a collective loss of $1.9 billion. When it comes to identity theft, stolen Social Security numbers take up a big share of the pie.

A Social Security number is a nine-digit code that the Social Security Administration uses to identify and record your earnings and benefits. It also plays a part in many of the most important aspects of our lives, such as our employment, taxes, medical services, and bank accounts. While the SSA is responsible for assigning this number, its up to individuals to keep it safe from being compromised since theyre the ones who give it out and hold their SSN cards.

This can be difficult, especially as cybercrimes become more sophisticated, and as social engineering becomes harder to detect. Thats why, in this guide, were going to walk you through some of the most common ways that you can become a victim of Social Security identity theft.

Quick Overview

Social Security Number Theft: What To Do If Someone Steals Your Ssn

  • Post author

Social Security number theft and identity theft are major headaches that can crush your credit score. Heres what to do if someone steals your SSN number.

The importance of your Social Security Number cant be exaggerated. The nine-digit number is your connection to the Social Security Administration but goes far beyond that. It has become one of the most commonly used numbers for verifying identity. Unfortunately, identity thieves realize the potential of these numbers and Social Security theft costs victims billions of dollars in damages each year.

You need a Social Security number to get a job, collect Social Security benefits, apply for federal loans, open bank accounts, buy a home and sign up for private insurance.

The unique number is a way for the government to keep track of your lifetime earnings and the number of years worked to calculate Social Security benefits later in life.

Social Security Number theft happens when a thief gains control of your unique number and uses it for their own advantage. There are many ways a thief can use this number and the damage they can do with it is significant.

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Measures You Can Take To Prevent Identity Theft

  • Do not routinely carry your SSN.
  • Never say your SSN aloud in public.
  • Beware of phishing scams to trick you into revealing personal information.
  • Create a personal account to help you keep track of your records and identify any suspicious activity.
  • Consider adding these blocks to your account with us:
  • The eServices block It prevents anyone, including you, from seeing or changing your personal information on the internet. Once we add the block, you or your representative will need to contact your local office to request removal of the block.
  • The Direct Deposit Fraud Prevention block This prevents anyone, including you, from enrolling in direct deposit or changing your address or direct deposit information through or a financial institution . Once we add the block, you or your representative will need to contact your local office to request removal of the block or make any future changes to direct deposit or contact information.
  • Visit to get information regarding extra security.
  • Report The Crime To The Police

    Obtaining Your Social Security Number

    Under California law, you can report identity theft to your local police department.1 Ask the police to issue a police report of identity theft. Give the police as much information on the theft as possible. One way to do this is to provide copies of your credit reports showing the items related to identity theft. Black out other items not related to identity theft. Give the police any new evidence you collect to add to your report. Be sure to get a copy of your police report. You will need to give copies to creditors and the credit bureaus. For more information, see Organizing Your Identity Theft Case” by the Identity Theft Resource Center, available at

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    Can Someone Access My Bank Account With My Social Security Number

    Someone could try to access your bank account using your Social Security number, but it alone wouldnt be enough. Theyd need a lot more personal information than that to get to your finances.

    Dont believe me? Try calling your bank and say youve forgotten your password. Youll be surprised at the range of questions theyll ask you, from What is the second letter of your mothers maiden name? to When and how big was your last deposited check? and Is the number youre calling from your personal one?

    Many times, youll be required to physically show up if you want to reset your bank account password. Why?

    Anyone can call a bank having stolen someone elses Social Security number, but its not enough to prove your identity. Usually, a bank would not even ask for your SSN if you called them because it is not a good way to verify who you are.

    Without additional information, no one could access your bank account with your Social Security number alone. In terms of bank security, you should worry about other things like a poor password, lack of two-factor authentication, and general carelessness when online banking.

    Keep Your Identity Safe

    If you use an online application to do your taxes, you can now log in with your username, password and a third personal item like a phone number. Using all 3 will keep your identity and data safer.

    Tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security number, to file a tax return claiming a fraudulent refund.

    If you suspect you are a victim of identity theft, continue to pay your taxes and file your tax return, even if you must file a paper return.

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    A Message From Social Security

    We are committed to preventing, detecting, and eliminating fraud in our programs.

    Our mission is to deliver services that meet the changing needs of the public. Every day our employees diligently work to ensure the public receives the services and benefits they deserve. We strive to ensure the integrity of our programs and provide a high level of service to the public despite the efforts of those who seek to abuse our programs.

    Protect Yourself From Identity Theft

    What To Do If Your Social Security Number is Stolen

    Read OIG’s Protecting Personal Information for their 10 Tips to Protect Personal Information and several actions to take if you suspect identity theft.

    If someone uses your SSN to obtain credit, loans, telephone accounts, or other goods and services, contact the Federal Trade Commission . The FTC collects complaints about identity theft from those whose identities have been stolen. You may reach the FTCs identity theft hotline toll free at 1-877-IDTHEFT or visit their website at www.ftc.gov/idtheft.

    Additional Resources:

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    Monitor Your Credit Cards Religiously

    Once you know that your Social Security number is available on a public forum like the dark web, it may only be a matter of time before someone tries to use that information against you. In addition to blocking new accounts from being opened in your name, a good strategy is to closely monitor the cards you already have so that no one begins racking up charges on your legitimate accounts. Although your Social Security number itself doesnt provide access to your account numbers, thieves and scammers can use that number, along with other publicly available information about your identity like your name and address, to con credit card companies into believing that they are you. From there, its a simple step to get an additional card sent to an address of their choice so they can run up charges in your name.

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    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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