Call the IRS and inform them you believe you are a victim of identity theft . . .
Call the IRS and inform them you believe you are a victim of identity theft. (Often the way you will find out that something is amiss is when you don’t receive your refund check. It may have been issued to the thief who has assumed your identity).
Fill out IRS Form 14039 and fax or mail back to IRS.
Contact the Social Security Administration. If you contact them by phone they will tell you to contact the Federal Trade Commission.
Contact the Federal Trade Commission (877-438-4338). After you contact them by phone, you will be sent an Identity Theft Complaint Affidavit.
Contact your local police department and tell them you have been a victim of identity theft. Make sure you get a case number and follow up in a few days to get the full police report.
Contact one of the three credit bureaus: Equifax at 800-525-6285, Trans Union at 800-680-7289, or Experian at888-397-3742.
Tell them you are entitled to make a victim-of-fraud statement that will be put into your credit history. In my limited experience, Equifax the most helpful; they worked diligently to make sure I was taken care of. The service representative reviewed my credit to see if any fraudulent accounts had been opened. Fortunately I was OK.
Review your credit reports once every couple of months and look for any errors or fraud. All three companies offer a service at varying degrees of cost. Remember you are entitled by law to a free copy of your credit report at least once a year.
Don’t forget to send them a full copy of the police report. They will need this to keep your fraud alert on file for more than 90 days. All three companies are required to pass on your victim statement to the other two bureaus; however it is probably a good idea to call all three after a few days to follow up.