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What to Do if Your Identity is Stolen

A thief stealing personal identifiable data from a smartphone
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What to Do if Your Identity is Stolen

What to Do If Your Identity is Stolen Video

What to Do If Your Identity is Stolen

When your identity or personal information is in the hands of a fraudster, you need to act fast to minimize damage done and regain control of your identity. 

  1. Review identity theft warning signs to determine if you may be a victim of identity theft.
  2. Determine which personal information may have been compromised.
  3. Contact your financial institution (e.g., bank, credit union, etc.).
  4. Check your credit report and put a freeze on your credit, if necessary.
  5. File a Federal Trade Commission (FTC) Identity Theft Report or police report.
  6. If you have completed the steps above and still need assistance, complete the MITS Request for Identity Theft Assistance form.

What Should I Do?

My Accounts Don't Show a Problem

If your wallet, Social Security card, or other personal information was lost or stolen, contact the credit reporting companies and place a fraud alert on your credit file. Make sure you check your bank and other financial statements for unusual activity. You may want to take additional steps, depending on what information was lost or stolen.

  •  Get your free copy of your credit report.
  • If your information is lost in a data breach, the organization that lost your information will notify you and tell you your rights.
  • Review MITS' step by step instructions.

Review More Steps from the FTC

woman with laptop in home reviewing online accounts

ATM and Debit Cards

Young woman withdraws money from ATM machine

Report Fraudulent Transactions

Identity theft victims have protections under federal law for ATM or debit card transactions. It’s best to act fast when you discover an unauthorized withdrawal or purchase.

Many card issuers have voluntarily agreed that an account holder will not owe more than $50 for transactions made with a lost or stolen ATM or debit card. If you don’t report the loss within 60 days of the day of the documented loss, you could lose all of the money the identity theft stole from your account. The 60 days begins on the day your financial institution sent you the account statement showing the unauthorized withdrawals.

Learn About Additional ATM & Debit Card Protections