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Are you the victim of identity theft or fraud? Here are the best resources to help you secure your identity, recover funds, and protect yourself.
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Identity thieves don’t just target your bank account or savings — they steal your name, reputation, and sense of security. Unfortunately, more and more Americans are becoming victims every day.
According to Javelin Strategy & Research [*]:
15.4 million Americans were victimized by identity fraud last year, with losses exceeding $20 billion.
Identity theft can cause serious financial and emotional damage — and no one should have to deal with it alone.
In this guide, we’ll explain what to do if your identity has been stolen, the resources that are available to you, and how to protect yourself from ID theft in the future.
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The first thing you need to do as soon as you spot the warning signs of identity theft is limit the damage. Identity thieves often target the same victims over and over — meaning any recovery work you do can quickly be undone without the right safeguards in place.
Before trying to recover lost funds or repair damage to your credit, take the following steps to discover the extent of the crime and secure your identity against future fraud:
If you have identity theft protection and coverage, contact your insurer immediately.
For example, Aura’s team of White Glove Fraud Resolution Specialists can walk you through the recovery steps and even facilitate three-way calls with your bank or government agencies.
Even if you don’t pay for an identity theft protection provider, you may be covered through your homeowners insurance or work benefits.
Next, contact each of the three credit reporting agencies (Experian, Equifax, and TransUnion) to set up credit freezes and stop scammers from using your identity to take out loans or open new accounts.
Here’s how to reach each of the major credit bureaus:
If scammers have used your identity to open fraudulent accounts, these accounts will show up on your credit report.
Until the end of 2023, you can get a free copy of your credit report each week from all three bureaus at AnnualCreditReport.com. Check for inaccurate personal information, unfamiliar employers, and incorrect account statuses.
You’ll need to file reports with any government agency at which your personal information was fraudulently used. But you should start by filing an official Federal Trade Commission (FTC) identity theft report at IdentityTheft.gov as well as contacting your local police department.
Check your bank statements for signs of fraud, and then contact your financial institutions (bank and credit card companies) to report the crime. They’ll most likely close your existing accounts and supply you with new ones, including new credit and debit cards.
You can also use this time to ask about their process for disputing fraudulent charges.
💡 Related: What Can Scammers Do With Your Bank Account Number? →
Reach out to the fraud departments of any companies that might be affected. If an identity thief opened a new account under your name, let the company know and go through the steps to close it. Get all account closures in writing for your records.
Many identity thieves want access to your sensitive online accounts — such as your email, online banking, and social media accounts.
Even if you don’t see signs that you’ve been hacked, you should update all of your passwords, using complex and unique credentials for each account — especially if you’ve used the same password for multiple accounts.
As an added security measure, enable two-factor authentication (2FA) on any account that allows it.
💡 Related: How Do Hackers Get Passwords (And How To Protect Yours) →
Run an antivirus software to look for malware, infected files, and remote access trojans. By running an antivirus program while online, you will also stop malicious apps and software before they can cause harm to you.
Aura’s award-winning identity theft protection solution monitors your most sensitive personal and financial information and alerts you in near real-time of fraudulent activity.
With Aura, you also get:
Since identity theft scams have become so commonplace, many organizations and agencies have developed specialized support channels to help victims.
Note: Keep detailed records of your conversations (and how much time and money you spend) as you work towards recovering from identity theft. You may be able to recoup some or all of your losses and expenses through an identity theft insurance provider.
As a government consumer protection agency, the FTC handles most identity theft and fraud cases. Not only can an official FTC identity theft report help you dispute fraudulent charges, accounts, and information — you also get a personalized recovery plan based on your situation.
Who it’s for: Anyone who thinks or knows their identity has been stolen should file an official report with the FTC.
How to get identity theft victim assistance from the FTC:
💡 Additional Resource: Victim of Fraud? Follow This Step-by-Step Recovery Checklist →
The Internal Revenue Service (IRS) provides victim assistance for tax-related identity theft. They will investigate the fraud and help you complete your tax return. The IRS can also flag your account to protect you against future issues.
Who it’s for: Anyone who thinks or knows their tax-related information has been compromised should contact the IRS.
How to get identity theft victim assistance from the IRS:
💡 Additional Resource: How To Protect Yourself Against Tax Identity Theft →
Your Social Security number (SSN) is the key that unlocks your identity — and it’s one of the most common targets of identity thieves and cybercriminals.
The Office of the Inspector General (OIG) and the Social Security Administration (SSA) work together to combat Social Security fraud. The OIG investigates any fraud related to an SSA program and will work with the appropriate law enforcement to solve the case.
Who it’s for: Anyone who thinks or knows their tax-related information has been misused should contact the OIG.
How to get identity theft victim assistance from the OIG:
💡 Additional Resource: What To Do If Someone Has Your SSN →
Every state has an unemployment office or department that oversees Unemployment Insurance (UI) programs. If someone claims unemployment benefits in your name, these departments will investigate the fraud and ensure that you don't receive any penalties or shortages.
Who it’s for: Anyone who thinks or knows their UI has been tampered with should contact their state unemployment office.
How to get identity theft victim assistance from an unemployment office:
💡 Additional Resource: What To Do If Someone Claimed Unemployment In Your Name →
The HHS oversees federal health programs, including Medicare and Medicaid. The HHS even has its own Medicare Fraud Strike Force Teams to shut down various fraud schemes and catch fraudsters across the country [*].
Who it’s for: Anyone who thinks or knows their Medicare has been abused should contact the HHS.
How to get identity theft victim assistance from the HHS:
💡 Additional Resource: What To Do If You’re a Victim of Medical Identity Theft →
The IC3 is run by the FBI and acts as a reporting hub for all incidents of cybercrime. All filed complaints are sent to the appropriate law enforcement agency for investigation. The IC3 uses the information collected to improve cyber defenses and public awareness.
Who it’s for: Anyone who thinks or knows they've been victimized by a cybercrime can contact the IC3.
How to get identity theft victim assistance from the FBI:
💡 Additional Resource: How To Tell If Someone Is Scamming You Online →
The Identity Theft Resource Center provides information about identity theft to organizations and individuals. The recovery center offers live assistance to victims, providing them with resources, guides, and advice to help navigate the recovery process.
Who it’s for: Anyone who wants more information about identity theft can contact the ITRC.
How to get identity theft victim assistance from the ITRC:
💡 Additional Resource: What To Do If Your Identity Is Stolen →
Your local law enforcement agency gets involved in identity theft investigations when you have information that may help the case. For example, if you know who took your identity or if your identity was used in a crime, you should file a police report for identity theft. You may also need a police report to advance a dispute with a financial institution.
Who it’s for: Anyone who has information about a crime should file a police report.
How to get identity theft victim assistance from your local police department:
💡 Additional Resource: How To Protect Yourself Against Criminal Identity Theft →
No one wants to deal with identity theft on their own. With Aura, you get personalized 24/7 U.S.-based support from a team of trained White Glove Fraud Resolution Specialists.
Who it’s for: Anyone who wants protection against identity theft should consider Aura.
How to get identity theft victim assistance from Aura:
On average, resolving cases of identity theft entails approximately 200 hours of work and about six months to wrap up [*].
However, the recovery process and length depend on how quickly you find out if your identity was stolen and act to secure your identity. Typically, the longer the fraud goes undetected, the more your personal information is compromised — leading to a lengthier and more complicated recovery process.
Even if you do get reimbursed, you can never recoup the time spent or the fees incurred to recover your identity. To make matters worse, identity theft leaves you vulnerable to future crimes. If you’ve been a victim once, there’s a 50% chance that you’ll become a victim again [*].
💡 Related: How To Tell If Someone Is Scamming You Online →
It’s impossible to completely secure yourself against identity theft. Instead, the best form of protection is prevention.
Once you’ve dealt with the fallout of being an ID theft victim, take these steps to ensure that you don’t get targeted again:
Even with the proper precautions, you never know where, when, or how identity theft will happen. You can, however, make sure you're ready if or when it does happen.
Use the resources on this page to create a plan that enables you to act quickly and stop fraudsters from ruining your finances and credit.
You can also double down and get award-winning identity theft protection from Aura. You'll have access to the fastest fraud alerts in the industry — and dedicated, U.S.-based 24/7 support when you need it most.