1. Document it

Document the time and money you spend on straightening out the theft – some states will require the culprit to provide restitution of time lost as well as actual financial losses.

Keep copies of all letters and documents you send and all responses you receive.

Keep records of all phone calls, including the date and time of the call as well as the name & title of the person who help you.

Write letters to confirm all phone conversations, including the date / time / name and what actions were taken.

Send letters and documents Return Receipt Requested and keep the postal receipt with your copy.

2. Report it

File a report with the local police, and make sure to get a copy of the report in case your financial institution or others need proof of the crime.

File a report with the FTC at www.consumer.gov/idtheft. They provide an ID Theft Affidavit that can help record your complaint

Report the theft to all three major credit bureaus, and ask that a fraud alert be placed on your file. Add a “victim’s statement” to each report stating the problem, and provide a phone number where you can be reached.

If mail was stolenl, report it to your local postal inspector.

If it appears that someone is using your SSN when applying for a job, get in touch with the Social Security Administration to verify the information listed in your name.

If you suspect your name or SSN was used to get a driver’s license, report it to your local Department of Motor Vehicles. If your state uses your SSN as your drivers license number, ask to substitute another number.

3. Stop it

Close accounts that have been fraudulently accessed or opened, and put passwords on any new accounts that you open.