What If Someone Else Is Using Your Social Security Number

If someone else uses your Social Security number, you should contact the Social Security Administration to report the issue. They can help you verify if your number has been misused and guide you on what to do next.

It’s also important to closely monitor your credit reports to look for any unauthorized activity. You can get a free credit report from each of the three major credit bureaus every year at AnnualCreditReport.com.

Consider placing a fraud alert on your credit reports to further protect yourself. This will make it harder for someone to open new accounts in your name. You only need to contact one of the credit bureaus to do this, as they will notify the other two for you.

If you consider freezing your credit, which will prevent anyone from accessing your credit reports without your permission.

Yet, report the identity theft to the Federal Trade Commission at IdentityTheft.gov. They can help you create a recovery plan and provide resources to help you navigate the process.

What If Someone Else Is Using Your Social Security Number:

These are the following things you can do if someone is using your Social Security Number:

1. Contact Internal Revenue Service (IRS)

If you guess your Social Security number has been used fraudulently, contact the IRS to ensure your tax records are secure.

🔴 Steps To Follow:

Step 1: Just call the IRS at 1-800-908-4490.

Step 2: Explain your situation to the representative.

Step 3: Now, follow their advice on protecting your tax records.

2. Request Credit Freeze

To prevent unauthorized access to your credit report, you can request a credit freeze.

🔴 Steps To Follow:

Step 1: Contact each of the three major credit bureaus (Equifax, Experian, and TransUnion).

Step 2: Request a credit freeze from each bureau.

Step 3: Keep track of the PIN or password provided to temporarily lift or remove the freeze in the future.

3. Contact Where Social Security Number Has Been Used

If you discover where your Social Security number was misused, contact the organization to report the fraud.

Step 1: Collect any evidence of fraudulent activity.

Step 2: Call the organization’s customer service or fraud department.

Step 3: Present the situation and provide the necessary documentation.

4. Report To FTC and Police

Reporting identity theft to both the FTC and local police ensures proper documentation and investigation.

Step 1: Go to IdentityTheft.gov to file a report with the FTC.

Step 2: Gather relevant documents (e.g., credit reports, fraudulent accounts).


Step 3: Contact your local police department to file a report, providing them with your FTC report and supporting documentation.

5. Create an Identity Theft Report

An Identity Theft Report can help you regain control of your personal information.

Step 1: File a complaint with the FTC at IdentityTheft.gov.


Step 2: File a police report with your local law enforcement agency.

Step 3: Combine these documents to create your Identity Theft Report.

6. Place a Fraud Alert on Your Credit Reports

A fraud alert can make it more difficult for someone to open new accounts in your name.

Step 1: Contact one of the three major credit bureaus.

Step 2: Request a fraud alert.

Step 3: The credit bureau will notify the other two bureaus to place alerts on their reports.

7. Monitor Your Credit Reports

Keep a close eye on your credit reports for any unauthorized activity and then you can report this.

Step 1: Request your free annual credit report from AnnualCreditReport.com.

Step 2: Review your reports carefully for discrepancies.

Step 3: Dispute any unauthorized activity or errors with the credit bureaus.

8. Secure Your Online Accounts

You can take steps to strengthen the security of your online accounts and prevent further misuse.

Step 1: Update your passwords with unique, strong combinations.

Step 2: Enable two-factor authentication where possible.

Step 3: Monitor your accounts for any suspicious activity.

9. Contact the Social Security Administration (SSA)

Just notify the SSA about the misuse of your Social Security number.

Step 1: Call the SSA at 1-800-772-1213.

Step 2: Report the issue and provide any relevant information.

Step 3: Follow the SSA’s guidance on resolving the situation.

10. Close Fraudulent Accounts

Shut down any accounts that were opened without your permission.

Step 1: Contact the financial institution or company where the account was opened.

Step 2: Provide proof of your identity and clarify the concern.

Step 3: Request account closure and any necessary fraud documentation.

11. Obtain an Identity Protection PIN

An IP PIN adds extra security to your tax records.

Step 1: Visit the IRS website and search for “IP PIN”.

Step 2: Follow the online application process.

Step 3: Safeguard your IP PIN and use it when filing your taxes.

12. Keep a Record of Your Actions

Document your efforts to resolve the identity theft issue.

Step 1: Keep a log of all the phone calls and emails you send.

Step 2: Make copies of any reports or correspondence.

Step 3: Store these records securely in case you need them in the future.

13. Inform Your Bank and Credit Card Companies

You can notify your financial institutions about identity theft.

Step 1: Contact your bank and credit card companies.

Step 2: Describe the case and provide any necessary documentation.

Step 3: Follow the guidance on securing your accounts and monitoring for unauthorized transactions.

14. Review Your Social Security Earnings Record

Check for any discrepancies in your earnings history.

Step 1: Create or log in to your “My Social Security” account at ssa.gov.

Step 2: Review your earnings record for any unauthorized employment.

Step 3: Report any inaccuracies to the SSA for correction.

💁🏽‍♂️ Best Solution: Educate Yourself on Identity Theft Prevention

Learn more about protecting yourself from future identity theft.

▸ Visit trusted websites, like FTC.gov, for information on identity theft prevention.

▸ Implement security best practices in your daily routine.

▸ Stay up-to-date on new scams and fraud prevention techniques.

How To Check If Someone Is Using Your SSN:

You have to look out at the following things:

1. Obtain your credit reports

Check your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) for any unusual or unauthorized activity, such as new accounts or loans you didn’t open.

2. Review your Social Security earnings record

Log in to your “My Social Security” account at ssa.gov and examine your earnings history for any unfamiliar employment or income that could indicate someone is using your SSN.

3. Monitor your financial statements

Regularly review your bank and credit card statements for any suspicious transactions or changes in your account balances.

4. Watch for unexpected mail

Keep checking for emails containing statements, bills, or collection notices for accounts you don’t recognize, as this could be a sign that someone is using your SSN.

5. Look out for tax-related issues

If you receive a notice from the IRS regarding unreported income or multiple tax returns filed under your SSN, this could indicate that someone is using your number.

6. Check your medical records

Review your medical records and insurance statements for any treatments or services you didn’t receive, as this could be a sign that someone is using your SSN for medical purposes.

Frequently Asked Questions:

1. Can you change your SSN?

Yes, you can request a new Social Security number if you can prove that your current number has been misused and is causing you significant harm. However, the Social Security Administration (SSA) only grants new numbers in extreme cases, and you’ll need to provide evidence of the misuse.

2. What can someone do with the last 4 digits of your SSN?

The last 4 digits of your SSN are often used as a form of identity verification. While these digits alone are not enough to commit full-scale identity theft, they can be combined with other personal information to gain unauthorized access to your accounts or to create new accounts in your name.

3. How do hackers get your Social Security number?

Hackers can obtain your SSN through various methods, such as data breaches, phishing scams, social engineering, or by accessing public records. They can also buy SSNs on the dark web, which have been stolen from previous data breaches.

4. What to do if I gave my SSN to a scammer?

If you’ve accidentally given your SSN to a scammer, take immediate action by placing a fraud alert on your credit reports, monitoring your accounts for suspicious activity, filing a report with the FTC, and contacting the SSA to inform them of the situation.

5. Can someone access my bank account with my Social Security number?

While it’s unlikely that someone can directly access your bank account using only your SSN, they can use your SSN to gather more personal information, which could help them gain unauthorized access to your bank account or open new accounts in your name.

6. How do I deal with a stolen SSN?

If your SSN has been stolen, act quickly by contacting the SSA, placing a fraud alert on your credit reports, filing a report with the FTC, and monitoring your accounts for any unauthorized activity. Be sure to inform your bank, credit card companies, and other financial institutions about the theft to secure your accounts.

7. Do banks refund scammed money?

Banks may refund scammed money depending on the situation and the specific bank’s policies. If you report the scam promptly and provide documentation, your bank may investigate and potentially reimburse you for the lost funds. However, is not guaranteed and may vary on a case-by-case basis.

Also Read:

Leave a Comment