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identity theft

Unfortunately, identity theft is still a problem in today’s society. In a 2018 study, research showed that 16.7 million Americans became victim to identity theft. In addition to stealing your personal information, an identity thief can also drain your bank account, acquire new credit cards using your info, and use your health insurance. Here are some of the most common signs that tell you’re experiencing identity theft.

  1. Strange changes appear on your bank statements. If you notice changes on your account, such as payments for services or goods you know you didn’t purchase, contact your bank immediately. They can help make sure no further changes are made and they will reimburse you for the fraudulent charges. Monitor your statements and account on a regular basis so you know what’s going on at all times. The sooner you catch the problem, the better.
  2. New credit accounts appear on your report. If you are receiving statements for cards you don’t have or notice that new accounts are on your credit report, you’ve got an identity thief. Contact the credit issuer as soon as possible so they can cease any further activity. Just as with your bank statements, you should monitor your credit reports on a regular basis.
  3. You receive bills for medical services you didn’t have. Request a copy of the records from your insurance company and file a police report if you receive bills for medical services you didn’t have.
  4. You’re rejected for a health plan due to your records showing a condition you don’t have. According to federal law, it is your right to review your medical records. Check for errors and contact the hospital or physician of any establishment that you did not visit if it appears on your records. There is a possibility you will have to send in documentation that proves you weren’t the person who was treated for that condition.
  5. You receive calls from a debt collector for a debt you don’t owe. Request documentation and send in proof that supports your claim and proves identity theft has occurred.
  6. Your tax return is rejected. If you receive a letter from the IRS that states your wage amount doesn’t match the amount you filed on your tax return, it’s possible you could have entered the wrong number. However, double check to be safe because someone else could be trying to file under your identity.