File a Report About Identity Theft in Illinois

Identity Theft File a Report About Identity Theft in Illinois

Damage Control 101: How to Report Identity Theft in Illinois

Illinois tops the nation in identity theft per capita. If you're part of that sobering statistic, you were one of the over 135,000 people who reported being victimized by identity theft thieves in 2020.

It's unsettling to think that your financial information is out of your control—what an invasion of privacy. DoNotPay can help you restore your identity--and your good name--by helping you deal with filling out the myriad of forms that can leave you shaking your head and reaching for the coffee and aspirin.

It can take over half a year or more to get identity theft resolved. In some cases, it takes many years. It's disheartening that only ONE percent of identity theft criminals are caught and prosecuted. This can leave you feeling victimized long after the paperwork is done. DoNotPay's identity theft product can cut that time for you.

Treading Lightly Still Leaves a Big Digital Footprint

You leave a trail of breadcrumbs every time you visit a website or send an email. That's called your digital footprint--your virtual paper trail. Don't be mistaken--even if you consider yourself an occasional or light Internet user, you're still prime fodder for identity theft criminals to steal your information. This list isn't all-inclusive, but it'll give you an idea of how thieves target consumers:

  • Phishing (tricking you into giving information online or over the phone)
  • Opening accounts online (all they need is your name and one other piece of info like your social security number)
  • Public Wi-Fi (do not do banking over public Wi-Fi. It's not secure)
  • Malicious software like spyware or malware (this can be on your computer or on a computer where you've done business)
  • Data breaches (all it takes is one transaction over an insecure or non-updated network).

The Federal Trade Commission says that over 60 percent of all identity thefts happen online. Where's the other 40 percent happening?

If Your Identity is Stolen, Don't Panic

Your liability may be limited by both Federal and state law. For example, if an account was opened in your name with charges made to it, most states don't mandate liability. In other words, you don't pay. You won't pay more than $50 in fraudulent charges (Federal law). So don't panic.

Notify Your Financial Institutions/Close AccountsYou should notify every financial institution where you have legitimate accounts, so they can help you protect your accounts. You should also notify institutions where accounts were opened fraudulently. The banks can help you freeze or close accounts and do an investigation into the fraud.
Place a Fraud Alert On Your Credit ReportsNotify each major credit bureau. You can place a freeze on your credit reports to prevent anyone from pulling them, which can stop the perpetrator from opening new accounts in your name.

File a Report with the Federal Trade Commission (FTC)The FTC can issue you a personalized recovery plan. A copy of your report, along with police reports, may be necessary for fraud investigations and for protecting your credit report and finances.
File a Police ReportYou can file police reports with each police department or sheriff's department that has jurisdiction. Provide as much detail as possible so your report is as complete as possible.

Reporting Lost or Stolen Debit Cards

Report any compromised debit or ATM card immediately to the issuing bank. Your liability depends on your reporting timeframe:

  • Zero liability if no prior usage before reporting your card lost or stolen.
  • Reporting to your issuer within two days merits no more than a $50 liability.
  • If you wait beyond the two days and report your debit card on day three up to day 60, your maximum liability is $500 (after your bank statement. Your bank will explain its procedures).

After two months, you're holding the bag for any unauthorized charges. One caveat is if you are in possession of your card. You're not liable if and only if you report your debit or ATM card lost or stolen within 60 days of your bank statement. We will say it again--always get documentation.

Speaking of documentation, don't forget to:

File the State of Illinois Identity Theft Forms

It's important to state legally that you've been an identity theft victim to protect yourself. These 2020 and 2021 forms are approved for the State of Illinois:

  1. Identity Theft Affidavit
  2. Instructions for Filing an Identity Theft Affidavit 
  3. Additional Proof of Delivery

Filing an affidavit with the Illinois Circuit Court system gives you legal recourse in your quest to remedy your identity theft situation. DoNotPay can help you file your affidavit so you can protect your good name.

DoNotPay Can Help You Deal With Identity Theft

How to deal with identity theft in Illinois using DoNotPay:

  1. Search "identity theft" on DoNotPay and select the type of incident you would like to report.

     

  2. Tell us more about the incident that occurred, including the location, date, time, financial loss, and any suspect information you may have.

     

  3. We'll identify whether you should file an FTC report, contact the IRS, freeze your credit report, contact state agencies, or file a police report. Once we guide you through the best options, we'll automatically submit the reports on your behalf!

     

Three steps to be done. DoNotPay will forward your information through the proper channels without you having to run around Chicago or wherever you live in Illinois. We'll upload confirmation documents to your task for you to view, and if the contacts need more information, they will reach out to you personally via email or mail.

Saying More: The Last Word From DoNotPay

Identity theft takes on many forms. Here are a few ways we can help you with the specifics:

These are some of the most popular ways thieves can steal your identity and often your reputation (you may be able to sue for damages). DoNotPay's identity theft product can help you get the ball rolling.

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