Quick answer
If your identity was stolen, call the fraud departments of companies where fraud happened and close or freeze those accounts, freeze your credit with Equifax, Experian and TransUnion for free, change passwords and turn on two-factor login, then report it at IdentityTheft.gov to get a recovery plan and an identity theft report. Check your credit reports for accounts you do not recognize.
Steps
- Call the companies. Banks, card issuers, stores where fraud happened.
- Freeze your credit. Free at all three bureaus; it stops new accounts.
- Report to the FTC. IdentityTheft.gov builds your report and recovery plan.
- Check your credit reports. Dispute accounts and inquiries you did not make.
- Secure your accounts. New passwords, two-factor login, check email forwarding rules.
Common questions
Is a credit freeze free?
Yes. Freezing and unfreezing your credit is free at all three bureaus.
Should I file a police report?
Some creditors ask for one. Your FTC identity theft report is often enough.
What if someone filed taxes in my name?
Follow the IRS identity theft steps and file the form the IRS asks for.
Where these facts come from
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
Disclosures
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