The Department of Justice defines identity theft as the unauthorized use or attempted use of existing credit cards, bank accounts and other accounts, as well as unauthorized attempts to open new accounts using someone else's personal information. You may be aware that you are a victim if your wallet or credit card is stolen, for example, or you may not be aware that someone else is using your social security number to open a credit facility. If you live in the US, report identity theft to the Federal Trade Commission (FTC) and local police.
Step
Method 1 of 3: Complete the Theft Statement
Step 1. Explain how your identity was stolen by writing a detailed statement
The FTC has an online form at ftc.gov that will help you write down any required information.
- Complete all required information in the theft affidavit form. Your case will be much stronger if you can provide clear details.
- Review all the information you provided, then click the Submit button.
- Take note of the reference number you receive. You'll need this number to make changes or updates to your affidavit, or to contact someone at the FTC to notify you of identity theft.
Step 2. Print a copy of the form upon submission to the FTC
At the end of the process, a print option is available on the screen. You can also save it to your computer for future reference.
Step 3. Speak to the FTC by telephone if you are not comfortable using online forms to submit affidavits
You can call a customer service representative at 1-877-438-4338.
Ask the representative for your reference number. The clerk will record and send your affidavit, and you can request that a copy be emailed to you
Method 2 of 3: Making a Police Report
Step 1. Gather all the necessary documentation to make a police report
This includes a copy of the theft affidavit you submitted along with any other evidence or support.
- Bring valid ID and proof of domicile.
- Bring Memo to Law Enforcement FTC. This is a guide from the FTC on how to handle identity theft reports. You can find this guide at ftc.gov.
Step 2. Go to the local police station, or to the police station serving the scene where your identity was stolen
Step 3. Complete a report on your identity theft details
Each state has its own rules regarding this, and you may have to file a “miscellaneous incident” report if the police do not make a standard police report for this type of crime.
Step 4. Request a copy of your report
If you can't get a copy right away, ask for the report number so you can request a copy as soon as it becomes available.
Method 3 of 3: Reporting to Creditors and Banks
Step 1. Contact any credit card companies, banks, lenders or other financial institutions that deal with you
This company may request a copy of the theft affidavit or police report number.
Step 2. Change the PIN number, security password and any codes or references that others may already know
Step 3. Review your credit report for any unknown companies or open accounts
Contact this company and provide them with the documentation they need to delete the account.
Tips
- Record everything. Regaining identity can take time as well as a lot of phone calls, emails and letters. Record who you spoke with along with the date, instructions and the point of the conversation.
- Check your credit report regularly. You can purchase a protection service that can notify you of any activity on your credit report.
