What Is Identity Theft?
Identity theft occurs when someone uses your personal or financial information — such as your Social Security number or bank details — without your permission. This is often done to open accounts, apply for credit, or steal money.
Free Identity Theft Support & Resources
1. Federal Trade Commission (FTC) – IdentityTheft.gov
The FTC provides a free, step-by-step recovery plan tailored to your situation.
Website: https://www.IdentityTheft.gov
Services include:
- Create an official identity theft report
- Receive personalized recovery steps
- Generate form letters to send to credit bureaus, creditors, and agencies
- No attorney or financial resources required
2. Legal Aid Services
Most states offer free legal help to low-income individuals through Legal Aid organizations. They can assist with:
- Clearing fraudulent debts
- Correcting credit reports
- Handling identity theft-related court cases
- Securing benefits affected by fraud
Find your local Legal Aid office:
https://www.lsc.gov/what-legal-aid/find-legal-aid
3. IRS Identity Protection for Victims of Tax Fraud
If your identity has been used to file a false tax return, the IRS can help.
Website: https://www.irs.gov/identity-theft-central
IRS Identity Theft Hotline: 1-800-908-4490
Services include:
- Get an Identity Protection PIN (IP PIN) to prevent future fraud
- Recover stolen tax refunds
- Report tax-related identity theft
4. Low-Income Credit Counseling & Monitoring
Some nonprofit credit counseling agencies provide free or low-cost services to low-income individuals.
Example: National Foundation for Credit Counseling (NFCC)
Website: https://www.nfcc.org
Services may include:
- Credit monitoring
- Budget and credit counseling
- Disputing fraudulent accounts
Federal Laws Protecting Identity Theft Victims
Fair Credit Reporting Act (FCRA)
- Allows you to place a fraud alert, request a credit freeze, and obtain free credit reports
- Requires credit bureaus to correct fraudulent information after submitting an FTC identity theft report
Fair Debt Collection Practices Act (FDCPA)
- Prohibits debt collectors from pursuing fraudulent debts that have been properly disputed
Identity Theft and Assumption Deterrence Act
- Makes identity theft a federal crime
- Allows victims to report the crime to law enforcement and the FTC
How to Report & Recover from Identity Theft (Free Process)
- Visit https://www.IdentityTheft.gov
- File an official identity theft report and receive a recovery plan
- Place a free fraud alert (valid for one year) or a credit freeze with each of the three major credit bureaus:
- Equifax: https://www.equifax.com
- Experian: https://www.experian.com
- TransUnion: https://www.transunion.com
- File a police report if your identity was used for financial or criminal activity
- Use FTC-generated letters to dispute fraudulent charges and accounts
Key Contacts for Identity Theft Assistance
| Service | Phone Number | Website |
|---|---|---|
| FTC Identity Theft Hotline | 1-877-438-4338 | https://www.IdentityTheft.gov |
| IRS Identity Theft Line | 1-800-908-4490 | https://www.irs.gov |
| Social Security Fraud Line | 1-800-269-0271 | https://oig.ssa.gov |
| Equifax | 1-800-685-1111 | https://www.equifax.com |
| Experian | 1-888-397-3742 | https://www.experian.com |
| TransUnion | 1-800-680-7289 | https://www.transunion.com |
