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The Fraud Investigation Process

Identity Theft

If you have been the victim of a stolen social security card, then it is important to remain calm and take action. There are several steps you can take to minimize potential damages that result from identity theft. Keep reading to review the steps to take when dealing with a stolen social security card.

Social Security Fraud Alerts

Placing a fraud alert on your credit report will likely be your first step when dealing with a stolen social security number. Doing so flags your personal credit report so that the thief cannot open new accounts in your name. Though there are three national credit reporting agencies, you merely need to contact one (this agency will relay the alert to the other two). When placing a fraud alert, you are also entitled access to free copies of your credit report. This will allow you to review recent activity to ensure no fraudulent accounts have already been opened. Contact info for the three consumer reporting agencies is below:

  • TransUnion: 1-800-680-7289
  • Equifax: 1-800-525-6285
  • Experian: 1-888-397-3742

Close Accounts Affected by Social Security Fraud

If you have identified suspicious activity on bank accounts or credit cards, then it may be necessary to contact your bank to close your account. This may require you to change banking account numbers or acquire a new credit card. Though this can be a bit of a hassle, it minimizes the potential for additional fraudulent activity.

File a Police Report

Theft of a social security card is considered a felony in the United States. As such, contacting the authorities is highly recommended. Doing so allows the police to take a statement from you and take steps to catch the perpetrator. Additionally, having a copy of the police report on file allows you to provide proof to creditors that your identity has been stolen. In cases where local police seem reluctant to take a report, suggest filing under a Miscellaneous Incidents category or take your complaint to another jurisdiction.

In addition to filing a police report, you may also want to file a complaint with the Federal Trade Commission.

Acquire a New Social Security Card

Following a stolen social security card, it may be necessary to acquire a replacement. This can be done by completing a Form SS-5 government document. This form can be downloaded from the Social Security official website. To receive a new card, you will also have to show proof of identity with the help of a driver's license or similar form of government ID.

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