Identity Theft: What to Do If It Happens to You

Missouri State Highway Patrol — Public Information and Education Division

What Is Identity Theft?

When someone uses your name, Social Security number, bank account numbers, credit card, etc., it’s called identity theft. Identity thieves have been known to open bank accounts, receive health care benefits, use credit cards, or file tax returns in someone else’s name.

How Do You Detect Identity Theft?

Closely review your bank and credit card statements monthly. Watch for unauthorized withdrawals and charges. Check your credit report. This can be done free of charge once a year.

How Do You Check Your Credit Report?

For a free credit report, visit AnnualCreditReport.com or call 877-322-8228. The law allows for one free report per year from each bureau.

What Do You Do If Your Identity Is Stolen?

1. Keep a Log

When communicating with the authorities and financial institutions, make a record of all conversations, correspondence, and actions taken. Include dates, times, names, and phone numbers. Send correspondence by certified mail with return receipt requested.

2. Notify the Missouri Attorney General’s Office

File an identity theft complaint form. The form is available online at ago.mo.gov.

3. Notify the Federal Trade Commission

File an identity theft complaint online at ReportFraud.ftc.gov, or call 877-438-4338. Also file a report at IdentityTheft.gov to create a recovery plan.

4. Contact Your Bank

Report the theft to all of your financial institutions. Check for any fraudulent accounts and loans. Have all checks and ATM/debit cards cancelled, and obtain new account numbers.

5. Contact Credit Card Companies and Other Creditors

Report the theft and ask for the names and phone numbers of credit guards with whom fraudulent accounts have been opened. Ask the credit bureaus to remove any inquiries that have been generated due to fraudulent access.

6. Contact the Credit Bureaus

Request that a fraud alert be placed on your file and request documented evidence. Get a copy of your police report. Credit card companies and banks may require you to show the report to verify the crime.