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How to Report Identity Theft & Avoid Financial Loss

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In the first half of 2022, the FTC registered 603,591 identity theft cases across the U.S, including 230,937 credit card fraud complaints. If you’re a victim and wish to file a report, stay calm. Please refer to this article for guidance on reporting identity theft and preventing financial loss.

How to report identity theft?

If you realize your identity has been stolen, take quick action. Filing a report is one of the important steps.

Report to the FTC

Report Online

Visit the IdentityTheft.gov website to report your identity theft, and you’ll get an ID theft report.

Report by Phone

Call 1-877-438-4338 to report the ID theft details, but you won’t get an ID theft report this way.

Contact Now

It’s suggested to report online so that you can get a theft report as proof for other incoming events. The FTC will collect the details of your situation by asking some questions. After that, they’ll create a personal recovery plan. If you create an account, they’ll walk you through each step and you can check the progress online.

Report to credit bureaus

Contact the credit bureaus to place a free, one-year alert. A business must verify your identity before it issues new credit in your name when you have an alert on your report. As a result, it makes it harder for a thief to open accounts in your name.

Experian

888-397-3742

TransUnion

888-909-8872

Equifax

800-685-1111

Contact Now

You just need to contact one of the three, and it must tell the other two to place an alert. In addition, you’ll receive a letter from each of them, confirming they have done the job on your file. And you can renew the fraud alert after one year.

Apart from that, you can check your credit reports from these three bureaus. Due to the pandemic, you can check it every week for free through December 2023.

Get report online

AnnualCreditReport.com

Get report by phone

1-877-322-8228

Contact Now

Specific types of identity theft

You may choose to report specific types of identity theft to corresponding federal agencies.

Call the companies where the fraud occurred

If you have found certain evidence of someone impersonating you, such as a new bank account, medical bills, or lost funds, contact the corresponding companies.

Talk to their fraud department and explain that someone stole your identity. Ask them to close or freeze the accounts and change the logins, and passwords. You may need to provide your FTC identity theft report.

File police report (optional)

You can report the identity theft to the police in case some creditors or companies require you to provide a police report. Bring the following documents to your local police office and ask for a copy of the police report:

  • A copy of your FTC identity theft report
  • A government-issued ID with a photo (e.g. driving license, passport)
  • Proof of your address (e.g. utility bill, mortgage statement)
  • Any proof you have of the theft (e.g. bills, IRS notices)

Credit freezes (optional)

A credit freeze (aka security freeze) stops others from opening accounts in your name and new creditors from accessing your credit file. You can freeze and unfreeze your credit record for free at the three credit bureaus. Note that you have to contact each of them because they won’t notify other bureaus as a fraud alert does.

Experian

888-397-3742

TransUnion

888-909-8872

Equifax

800-685-1111

How to avoid financial loss after identity theft?

You may have noticed signs or evidence of identity theft. One straightforward consequence of being a victim of ID theft is that you may suffer financial loss. The thief with your credit card might use your money and make a transfer. You may fail to avoid charges if you don’t act fast.

However, another hidden impact lies in your credit scores. If a thief opens new credit cards in your name and can’t offer to pay the bills, your scores may be negatively affected.

Identity theft is so common in your life. To avoid financial loss, you may want trustworthy protection to guard your family and you. They not only offer identity and credit security solutions, but also keep an eye on your privacy safety. If you have tried them before, you may want to start with a free trial.

IdentityForce

#1 ID Theft Protection

Trial period: 30 days
A TransUnion Brand
Social Media Monitoring
Full-Featured Protection

Save 40% on ALL plans
Monthly cost: $23.99 $14.99
Annual plan monthly cost: $19.96 $12.49

Get Free Trial

As the #1 consumer-rated identity theft protection, IdentityForce provides a 30-day trial for people choosing the UltraSecure plan. All you need to do is go to its membership page, choose the plan and fill in your information.

Aura

Dark Web Monitoring

Trial period: 14 days
60-day money-back
Online and device security
Financial fraud protection

Free trial for ALL plans
Individual plan: $12/mo
Couple plan: $22/mo
Family plan: $37/mo

Get Free Trial

Composed of leaders with deep experience in identity, privacy and security, Aura has a 14-day free trial for all plans. Reading its customer reviews on Trustpilot, you can find how users are grateful for their team’s effort. Go to its membership page and get your protection today.

Identity Guard

Award-winning Protection

Trial period: 7 days
Data breach notifications
Password manager
Transaction monitoring

Less than $1/day for whole family
Value plan: $7.5/mo
Total plan: $16.67/mo
Ultra plan: $25/mo

Get Free Trial

With 20 years of experience, over 47 million customers, and 140,000 ID fraud cases resolved, Identity Guard is also a trustworthy option. It currently offers a 40% discount on annual plans and a 60-day money-back guarantee, which enables you to spend less than $1 per day for your whole family. Or you can start with its 7-day free trial.

Membership icons created by geotatah – Flaticon
Credit icons created by surang – Flaticon

By Yuki Huang

Yuki's curiosity knows no bounds when it comes to knowledge. With two years of programming under her belt, she's embarked on thrilling projects that showcase her unique blend of creativity and analytical acumen. From developing a captivating poetry website to diving into the depths of data analysis and venturing into the world of mobile app development, she became excellent at Internet research and data mining.

But her journey doesn't end in the classroom. Prior to joining Super Easy, she has honed her writing skills as a contributor at SHEIN, delved into the intricacies of marketing as a specialist for an international e-commerce company, facilitated dreams as an educational consultant for a company assisting individuals in studying abroad, and lent her IT expertise as an assistant for britishcouncil.org. This breadth of experience has enriched her perspective on the digital landscape, making her a true expert in uncovering hidden gems on the web.

Yet, Yuki's interests extend far beyond the digital realm. When she's not crafting informative content, she's often found taking refreshing dips in the pool, embarking on thrilling adventures around the globe, or immersing herself in the captivating realm of theater. These passions not only rejuvenate her spirit but also serve as a wellspring of creativity, ensuring that her writing remains vibrant, engaging, and relatable.

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