Identity theft is a growing problem, impacting millions every year. If someone uses your name, Social Security number, or other personal information to apply for credit cards, secure loans, or claim tax refunds, you’re a victim. Knowing how this happens and how you can prevent it is key to protecting yourself.
How Does Identity Theft Happen?
Thieves can steal your information in several ways:
- Phishing emails and calls: Scammers send emails or make calls pretending to be from a company or organization you trust to trick you into giving them your personal details.
- Data breaches: Hackers break into data systems and steal personal information.
- Physical theft: Thieves might steal your wallet, purse, or mail to get your personal information.
You can take steps to protect yourself from identity theft:
- Secure your information: Use strong passwords for your online accounts and turn on two-factor authentication if it’s available. Shred old documents that contain sensitive information. Also, make sure to pick up your mail regularly to prevent theft.
- Watch your accounts: Check your bank and credit card statements often for any charges you didn’t make. Make sure to check your credit reports regularly to spot any unusual activities or unauthorized accounts.
- Be careful: Don’t share your personal information on the phone or online with people you don’t know. If you receive suspicious emails or texts, do not click on any links or attachments.
Where to Report Identity Theft
If you think someone has stolen your identity, it’s important to act fast. Contact:
- Federal Trade Commission (FTC): IdentityTheft.gov or call 1-877-438-4338.
- File a police report at your local police station.
- Credit Reporting Agencies: Equifax, Experian, and TransUnion to place alerts or freezes on your credit reports to stop thieves from opening new accounts in your name.
To learn more about identity theft visit dcba.lacounty.gov/identity-theft.
