There are many forms of identity theft. The most common are the credit card fraud, false applicant for a new credit, fraudulent telephone calling card use, fraudulent bank withdrawals, fraudulent IP address use for illegal activities online, fraud on social security for employment and tax fraud as well as medical care fraudulent use.
Anyone can be a victim of identity theft. Though using id theft protection is the ideal thing to do, you might find it too late when you discover that you are already a victim of it. But this does not mean you won’t do anything about it. You have to do something before it gets even worse and be able to minimize the damage. Acting right away will give you an added advantage.
First, you have to call your bank, cancel your card and request for a new one. Take note that failure to report it right away could make you liable for further loss. You then have to call the police. Once you file a report, do not forget to get the police report number from them. This will be your reference in all correspondence you have which relates to the theft. If there is any credit reporting agency in your place, call them. Request for a credit report from them and ask them if your file needs to have a fraud alert.
It is also important to ask for replacement of your ID cards such as driver’s license, health card and SSN. If you notice that your mail is missing, call Postal Inspection Service and inform them about it. This is a branch of the post office responsible for law enforcement. You need to keep in touch with organizations that offer information to the theft, allowing him access to your money, unauthorized credit, information, services and goods using your name. Ask these organizations about the instances where fraudulent use of your identity was done. Most importantly, close all affected accounts and cards. Ask if they have begun the investigation and their respective police report number.
If your country has separate privacy laws similar to PIPEDA in Canada, contact them for advice on privacy issues which relates to identity theft. You can also stop fraud by reporting your case to your country’s anti-fraud center like the CAFC in Canada. They gather intelligence and information about the identity theft and offer assistance and advice to victims like you.
Do not forget to keep records to all the reports you have done too. This includes reports made to your bank, credit card companies and law enforcers. For government issued documents, don’t forget to cancel them immediately since they are valuable information for identity theft too.
The list can go on and on in clearing identity theft wreckage. This can be a complex and laborious process. You can get in touch with the Federal Trade Commission and US Department of Justice. They can guide you through the process and offer you a wealth of information that will surely help you deal with the identity theft.