Prevent Identity Theft and Scams
Identity theft is the act of someone stealing your personal information to commit fraud.
The identity thief may use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can cost you time and money to restore your good name and damage your credit status and pose issues for some types of jobs.
You may not know that you’re the victim of ID theft immediately. You could be a victim if you receive:
- Bills for items you didn’t buy
- Collection calls for accounts you didn’t open
- Unexpected denials for loan applications
Children through seniors are all vulnerable to ID theft. Child ID theft may go undetected for many years until they start doing business as an adult. Victims may not know until they’re adults, applying for their own loans. Seniors often share their personal information with doctors and caregivers. The number of people and offices that access an individual’s information put them at risk. The following information is gathered from the usa.gov site.
Types of ID Theft
There are several common types of identity theft that can affect you:
Tax ID theft
Someone uses your Social Security number to falsely file tax returns with the IRS or your state
Medical ID theft
Someone steals your Medicare ID or health insurance member number. Thieves use this information to get medical services or send fake bills to your health insurer.
Social ID theft
Someone uses your name and photos to create a fake account on social media
Take steps to avoid being a victim of identity theft. Secure your internet connections, use security features, and review bills. Read more about how you can prevent identity theft.
Prevent Identity Theft
Keep these tips in mind to protect yourself from identity theft:
Secure your Social Security number (SSN). Don’t carry your Social Security card in your wallet. Only give out your SSN when necessary.
Don’t share personal information (birthdate, Social Security number, or bank account number) because someone asks for it.
Collect mail every day. Place a hold on your mail when you are away from home for several days.
Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.
Use the security features tooltip on your mobile phone.
Update sharing and firewall settings when you’re on a public Wi-Fi network. Use a virtual private network (VPN) if you use public Wi-Fi.
- Review your credit card and bank account statements. Compare receipts with account statements. Watch for unauthorized transactions.
- Shred receipts, credit offers, account statements, and expired credit cards. This can prevent “dumpster divers” from getting your personal information.
- Store personal information in a safe place.
- Install firewalls and virus-detection software on your home computer.
- Create complex passwords that identity thieves cannot guess. Change your passwords if a company that you do business with has a breach of its databases.
- Review your credit reports tooltip once a year. Be certain that they don’t include accounts that you have not opened. You can order it for free from Annualcreditreport.com.
- Freeze your credit files with Equifax, Experian, Innovis, TransUnion, and the National Consumer Telecommunications and Utilities Exchange for free. Credit freezes prevent someone from applying for and getting approval for a credit account or utility services in your name.
Report Identity Theft
Report identity (ID) theft to the Federal Trade Commission (FTC) online at IdentityTheft.gov or by phone at 1-877-438-4338.
If you report identity theft online, you will receive an identity theft report and a recovery plan. Create an account on the website to:
- Update your recovery plan,
- Track your progress,
- Receive prefilled form letters to send to creditors.
If you don’t create an account, you won’t be able to access the report or letters later. Download the FTC’s publication (PDF, Download Adobe Reader) for detailed tips, checklists, and sample letters.
If you report identity theft by phone, the FTC will collect the details of your situation. But it won’t give you an ID theft report or recovery plan.
You may also choose to report your identity theft to your local police station. It could be necessary if:
- You know the identity thief
- The thief used your name in an interaction with the police
- A creditor or another company requires you to provide a police report.
Report Specific Types of Identity Theft
You may also report specific types of identity theft to other federal agencies.
Medical Identity Theft - Contact Medicare’s fraud office, if you have Medicare.
Tax Identity Theft - Report tax ID theft to the Internal Revenue Service.
Report Identity Theft to Other Organizations
You can also report the theft to other organizations, such as:
- Credit Reporting Agencies - Contact one of the three major credit reporting agencies to place fraud alerts or freezes on your accounts. Also get copies of your credit reports, to be sure that no one has already tried to get unauthorized credit accounts with your personal information. Confirm that the credit reporting agency will alert the other two credit reporting agencies.
- National Long-Term Care Ombudsman Resource Center - Report cases of identity theft due to a stay in a nursing home or long-term care facility.
- Financial Institutions - Contact the fraud department at your bank, credit card issuers, and any other places where you have accounts.
- Retailers and Other Companies - Report the crime to companies where the identity thief opened credit accounts or even applied for jobs.
- State Consumer Protection Offices - Some states offer resources to help you recover from identity theft.
You may need to get new personal records or identification cards if you’re the victim of ID theft. Learn how to replace your vital identification documents after identity theft.
Medical Identity Theft
Medical identity theft happens when someone uses your name, Social Security number, insurance plan number, or other personal information to get:
- Medical care
- Access to your medical records
- Coverage under your name from your insurance company or Medicare
Report Medical Identity Theft
If you believe you’ve been a victim of medical identity theft, call the Federal Trade Commission at 1-877-438-4338 (TTY: 1-866-653-4261) and your health insurance company’s fraud department. You can report the theft through IdentityTheft.gov to share it with the FTC and with law enforcement. Also, get copies of your medical records and work with your doctor’s office and insurance company to correct them.
If you suspect that you have been the victim of Medicare fraud, contact the U.S. Department of Health and Human Services Inspector General at 1-800-447-8477.
Prevent Medical Identity Theft
Take these steps to prevent medical identity theft:
- Guard your Social Security, Medicare, and health insurance identification numbers. Only give your number to your physician or other approved healthcare providers.
- Review your explanation of benefits or Medicare Summary Notice to make sure that the claims match the services you received. Report questionable charges to your health insurance provider or Medicare.
- Request and carefully review a copy of your medical records for inaccuracies and conditions that you don’t have.
Don't fall victim to scams
Here are some helpful tips on how to protect yourself from scams
- No law enforcement or governmental agency of any kind will ask you to pay any bill, fee, or payment using gift cards, iTunes cards, or any other type of card you purchase.
- A favorite of scammers is to pose as a niece, nephew, child, or grandchild and tell you they are in jail and need you to bail them out. A police agency will never ask you to pay bail or bond over the phone by credit card and they will NEVER ask you to buy gift cards to pay bond or bail.
- Any governmental benefits or services (IRS, Social Security, VA, etc.) will never require you to pay a fee to receive those benefits. Official correspondence from governmental agencies generally comes by mail and not by phone, If you receive an unsolicited phone call from someone claiming to be from the IRS or other government agency, you may be being targeted by a scammer.
- When in doubt remember two things your parents probably told you:
- There's no such thing as a free lunch.
- If it seems too good to be true, then it probably is too good to be true.
- The link below will take you to the Michigan Attorney General's help page for consumer alerts related to scams.
If you think you are being scammed or are being targeted by scammers feel free to call the police station at (734) 676-3737 and speak to an officer.