To protect your personal information from identity theft, secure exposed accounts, place a free credit freeze with each of the three nationwide credit bureaus, and review your credit reports for unfamiliar activity. If you find fraud, contact the affected company, document what happened, and use the FTC’s recovery plan at IdentityTheft.gov. These are U.S.-focused steps; a freeze and monitoring can reduce some risks, but neither prevents every kind of identity theft.
Start with the actions that reduce the most common risks
- Secure accounts connected to exposed information. If a password was exposed, change it on that account and on any other account where you reused it. Use each service’s current security settings and watch financial accounts for unfamiliar transactions if a password or payment-card number was exposed.
- Freeze your credit files. Request a freeze separately from Equifax, Experian, and TransUnion. A freeze is free and makes it harder for someone to open new credit using your identity.
- Check your credit reports. Use AnnualCreditReport.com, the official route identified by the FTC. IdentityTheft.gov says you can check reports weekly for free. Look for unfamiliar accounts and credit inquiries, and keep a record of anything you dispute.
- Respond to the specific data exposed. Follow the breached organization’s current instructions, especially for bank or card details, and take up any free monitoring it offers if it suits your needs.
Choose between a credit freeze and a fraud alert
Both protections are free, but they work differently. A freeze restricts access to your credit report unless you lift or remove it. A fraud alert asks prospective creditors to take reasonable steps to verify your identity before extending credit. The FTC says a one-year alert can be placed by contacting one bureau; that bureau must notify the other two.
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| Protection | What it does | What you need to do |
|---|---|---|
| Credit freeze | Restricts access to your credit report, making it harder to open new credit in your name. | Request it separately from all three nationwide bureaus. Lift it when you apply for credit or another service that requires a credit check. |
| One-year fraud alert | Asks creditors to take reasonable steps to verify your identity before issuing credit. | Contact one bureau; it must notify the other two. |
| Credit monitoring | Can alert you to activity in the credit files it covers. | Consider a free offer from the organization involved in a breach. Monitoring does not itself block new credit or catch every form of identity theft. |
The FTC explains the freeze and alert options in Know Your Rights. For bureau links and current contact details, use its Credit Bureau Contact Information page rather than relying on old contact information.
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Match your response to what was exposed. The FTC’s breach guide is dated September 28, 2015, so treat it as general guidance and follow current instructions from your bank, card issuer, or the affected organization. Procedures and state-specific requirements can differ.
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- Social Security number: Consider a credit freeze and check your credit reports for accounts or inquiries you do not recognize. If the organization offers free monitoring, review what it covers and consider enrolling.
- Password: Change it promptly, including on other accounts where you reused it. Check financial accounts if the password could have exposed access to them.
- Payment-card number or bank details: Contact the card issuer or bank, follow its current advice about replacing the card or account, and review transactions for anything unfamiliar.
- Driver’s-license information: Contact the relevant state agency for its current instructions; procedures are not uniform across states.
- A child’s information: If you think a child may have a credit file, contact each bureau and follow its instructions for a minor freeze. IdentityTheft.gov says parents, guardians, and conservators may request freezes for children under 16 or adults under their care; the paperwork and process can vary by bureau.
The FTC’s breach-response guide discusses these categories. Use it as broad guidance, not a guarantee that a company or state will follow one standard process.
What to do if someone opened an account in your name
- Contact the company’s fraud department. Ask it to secure or close the account and remove unauthorized charges. Request written confirmation and note the date, representative’s name, and case number.
- File a report at IdentityTheft.gov. The FTC’s Recovery Steps guide you through reporting the theft and generating a recovery plan for your situation. Keep a copy of the resulting FTC Identity Theft Report.
- Ask the credit bureaus to block fraudulent entries. Send each relevant bureau your FTC Identity Theft Report, proof of identity, and a clear description of the accounts or other entries you say are fraudulent. The FTC provides an identity-theft letter to a credit bureau. The FTC says the report can help document the theft and support a request to block entries under section 605B of the Fair Credit Reporting Act; a block is not automatic, so include the requested documentation.
- Keep a case file. Save letters, emails, statements, report copies, dates, names, and case numbers. These records help you track what you reported and what the company or bureau said it would do.
Use the official recovery and credit-report routes
Start at IdentityTheft.gov for recovery steps and at AnnualCreditReport.com to review your reports. For a freeze, use the FTC’s bureau contact page to reach each bureau. Tax, medical, benefits, and other specialized identity theft may require contacting the relevant government agency or provider as well.
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The FTC’s IdentityTheft.gov Know Your Rights page puts the purpose of a freeze plainly: “A credit freeze, also called a security freeze, makes it less likely that an identity thief could open a new account in your name.”
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