How to Go About Pressing Charges for Identity Theft

Identity Theft How to Go About Pressing Charges for Identity Theft

Pressing Charges for Identity Theft  Is Easier Than You Think

One crime that is becoming more common each year is identity theft. Credit cards are the primary target by criminals, but it can happen by just having your information out there on websites, at businesses, and more. If it happens to you, pressing charges for identity theft should be your top priority.

Luckily, it is easier than you may expect, especially if you know who to contact and how to report it to the major credit bureaus including Experian and Equifax. However, many people aren't sure where to start since the problem often goes unnoticed for a while.

If you are struggling to figure out what to do after discovering discrepancies on your credit report or in your banking and credit card statements, we can help. DoNotPay is always available to help you take back your identity and protect yourself from future repercussions.

What Is Identity Theft?

The term identity theft applies anytime someone assumes the identity of or personal information of someone to commit fraud. With this information, they may apply for credit cards, personal loans, or even file taxes under your name.

You may think that no matter what, they will not successfully do it because it isn't "you", but it does sometimes go through. When it does, you may experience consequences that are unimaginable. Once they have your identity, they can take out loans and not repay them, which means if you need to take advantage of the credit score you worked hard on to get a loan, you no longer have it.

Getting your identity back and proving that you did not take out the loans can be a process. It can cause you to have to:

  • Lock your accounts to protect what's left of your credit while investigations are being done.
  • Spend your time trying to prove your innocence.
  • Cost you money if you end up having to pay back loans that they acquired.
  • Worst of all, it will cause you to live in fear of the same thing happening again in the future.

Often, the best thing you can do is counter identity theft by pressing charges. Doing so can show creditors that you are serious about your accusations against someone else.

Signs You Have Been a Victim of Identity Theft

Unfortunately, by the time most people realize that they have been victimized by identity theft, the damage has already been done to their credit and their good name. It can also happen to anyone regardless of their age or situation. However, children and elders are at the highest risk.

Children can have their identity taken not because they have information that is publicly available, but because they don't. Their social security number can be located on their doctor's computer system, and taken from there. It can be used for years before anyone realizes that there is a problem.

Elders are often victims because they are trusting and may give out information to the wrong people. They may give a friend their credit card because it is difficult to get to town on their own. That person may keep their card and use it for personal gain.

If you want to know whether you have been a victim of identity theft, some things to consider include:

  1. Bills coming due that you don't remember
  2. Debt collectors calling to seek payments you didn't know you had
  3. Denials for loan applications when you know your credit is good
  4. You notice unrecognized charges on your credit card or bank statement
  5. IRS Tax Return was filed without your knowledge
  6. Account notifications you do not recognize
  7. You are unable to claim unemployment because benefits are already being sent out
  8. Stimulus money is not arriving for your family
  9. A change in Social Security check arrivals

In short, if there is something going on that you do not know where it comes from, you could be a victim. You should contact the company to ask questions, and then you should start asking questions about how to report identity theft.

How to Protect Yourself From Identity Theft

Identity theft is scary. If you are hoping to protect yourself, there are things you can do. Here are some of the best suggestions.

Protect Your Mobile Devices with PasswordsWe live on our devices. Chances are good, you use it for shopping, social media, and more. If you lose your mobile device, you do not want someone to be able to open it and see all the information you have there.
Create Strong Passwords for Online AccountsWhen you log into your online banking app or shopping apps, you should have a strong password that cannot be guessed by anyone. It can protect you from having someone you trust end up taking advantage of you.
Be Leary of Phishing and SpamEmails are often received that may sound important. You may receive an email from someone claiming to be your bank or the IRS asking for your private information. Don't respond to the email and instead call the company if you feel that it is important.
Don't Give Out Personal Information on the PhoneLike spam emails and phishing attempts, you should not give your private information over the phone. Your bank, the IRS, and other trustworthy entities will never ask for your social security number or passwords over the phone.
Check Your Credit Reports OftenKnowledge is power. If you closely monitor your accounts and your credit report, there is less risk that you will have a lot of negative consequences because you can fight back faster.
Be Careful About What You Carry in Your WalletYour social security card should be kept at home and in a safe place. You should only carry what you need in your wallet. This will ensure that if your wallet is lost, you can be certain of what you lost. Cards can be canceled quickly, and reports can be made to the proper people.

Where to Start When Pressing Charges for Identity Theft

If you discover that you have been a victim of identity theft, your actions will dictate how well you recover from it. Some of the first steps for you to do will include:

  • Filing a report with the FTC
  • Filing a police report regarding the incident and your discoveries
  • Contacting the credit bureaus so they can post fraud alerts and freeze your accounts

The process will be time-consuming and frustrating, but it is important that you not put off dealing with it. If for some reason you cannot deal with it effectively, you should ask for help.

At DoNotPay, we know how frustrating it can be to deal with identity theft and discover how to prosecute someone for identity theft. We are here to help.

Why Choose DoNotPay to Help You Press Charges?

DoNotPay makes it easy for you to handle identity theft. We are available to help you discover the answer to "Can you press charges for identity theft based on what information you have right now?"

All you have to do is let us know that you need help, and we will help you file the reports that you need to file in just three easy steps.

  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!

     

And that's it! DoNotPay will make sure your issue gets sent to the right place. 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.

What Else Can DoNotPay Help You With

If you know or find out who tried to take your identity, DoNotPay can help you sue that person for it. We can also:

When you are ready to fight back against those who tried to take your identity, you can contact us online or on our app. We are always here and always ready to help you through whatever you may be dealing with.

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