Thank you for using JustAnswer. I am Loren, a licensed attorney, and I will do whatever I can to answer your question and provide excellent service.
I am sorry to hear of your dilemma. I realize how frustrating this is for you, but I believe I have information which you will find helpful.
If nothing seems amiss, first, be aware that no ID theft may have occurred. However, it is better to proceed on the side of caution
If someone has misused your Social Security number or other personal information to create credit or other problems for you, Social Security cannot resolve these problems, but there are several things you should do.
1. You should go to www.idtheft.gov and report the identity theft to the Federal Trade Commission
. Or, you can call 1-877-IDTHEFT (1-877-438-4338); TTY 1-866-653-4261. That website is a onestop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect and defend against identity theft.
2. You also may want to contact the Internal Revenue Service (IRS). An identity thief also might use your Social Security number to file a tax return to receive your refund. If you are eligible for a refund, a thief could file a tax return before you do and get your refund. Then, when you do file, the IRS will think you already received your refund. If
your Social Security number is XXXXX another individual may use it to get a job. That person’s employer would report income earned to the IRS using your Social Security number.
3. Contact a credit reporting agency online (equifax, transunion, etc.). You only need to contact one. Have a fraud alert put on your file. It will be reported to all credit reporting agencies. With that fraud alert in place (there is no charge) no one will be able to borrow money or open a credit account with your social security number without you being contacted personally and confirming the request.
You may also want to order a credit report
to confirm no accounts have been opened which were not opened by you.
It is my privilege to assist you. Let me know if you need further information. I hope I have helped you beyond your expectations in the service I have provided to you. I am here for you.
I am happy to answer your follow-up questions and assist you until I am able to explain the answer to your satisfaction.