What to Do If Your Social Security Number is Compromised

Your Social Security number (SSN) is one of the most vital pieces of personal information you possess. Unfortunately, it is increasingly common for this sensitive data to be leaked and sold on the Dark Web. If you suspect that your SSN is among those compromised, here’s a guide to help you take swift action.

Understanding the Risks

So, why is your SSN such a big deal? It serves as a unique identifier that connects your financial, governmental, and personal records. With access to your SSN, identity thieves can:

• Open credit card accounts in your name
• Apply for loans and credit
• Hijack your tax refunds
• Misuse your government benefits
• Fraudulently apply for jobs

Immediate Steps to Protect Yourself

To safeguard your Social Security number, consider utilizing the government’s free Self Lock feature. This tool prevents unauthorized use of your SSN for employment verifications and is accessible through an E-Verify account.

If you prefer to speak to someone, you can call the Social Security Administration at 1-800-772-1213. However, be prepared for potential long wait times.

Stay Proactive

The Social Security Administration also offers online access to your earnings and benefits history through a my Social Security account. This service is free and available even to those who do not currently receive benefits. It is advisable to check this account at least once a year to ensure that all reported income aligns with your actual work history.

Note that if you created a Social Security username over three years ago, you may need to set up a Login.gov account or use an ID.me account to access your information.

Recognizing Red Flags

How can you tell if your SSN is being misused? Keep an eye out for the following warning signs:

• Unexpected Bills or Accounts: Receiving statements for accounts you didn’t open is a major red flag. If this occurs, contact the company immediately and consider placing a credit freeze.
• Tax Forms from Unknown Employers: Receiving W-2s or 1099s from companies where you’ve never worked is another indicator of potential fraud. Report any suspicious tax documents to the IRS right away.
• Issues with Tax Filing: If you file your taxes and then receive a notice that someone else has already filed using your SSN, take action quickly. Visit IdentityTheft.gov to file a report and consider completing IRS Form 14039, the Identity Theft Affidavit.
• Credit Report Alerts: Look for any unfamiliar accounts or lines of credit in your credit report. You can obtain a free credit report once a year from each of the three major credit bureaus through AnnualCreditReport.com.
• Government Benefit Denials: If you are denied benefits such as disability, Medicare, or unemployment, it may indicate that someone else is fraudulently claiming them using your SSN. Contact the relevant agency for assistance.

What to Do If You Suspect Identity Theft

If you suspect your SSN has been stolen, act quickly. Start by visiting IdentityTheft.gov to complete a report and receive a recovery plan tailored to your situation. Additionally, the IRS has resources available for reporting suspected misuse of your SSN through Identity Theft Central.

Don’t forget to check in with your bank, credit card providers, and insurance companies, as many offer free fraud and identity theft protection services.