12/21/2017
IDENTITY THEFT ADVICE.
We had a potential client email to us the following question about identity theft: My mother's personal information was stolen from a local hospital recently. What can we do to protect her from identity theft?
Here is the answer we provided. We hope it is helpful to others.
That is awful. I am sorry to hear that.
If I were your mother, I would contact the three credit bureaus and let them know that they should 'flag' her credit report such that no one can open new credit in her name. (Transunion, Equifax, and Experian).
Next, your mother should order her credit report now. She needs to have a snapshot of her credit in order to monitor it. By having such a snapshot, if someone opens a fake account under her name, she will find out faster than if she waits until the collection letters start arriving at her house. I attach a blank credit report request for her use. Everyone in the country is entitled to one free credit report per year, per credit agency. In other words, every four months, your mother can seek a report on a rotating basis from among the 3 agencies, thereby complying with the free once-a-year-per-agency limitation. As she mails the form to the PO Box Atlanta address found on top of the form, she should only check the box of ONE of the agencies every four months, not all of the agencies.
Next, your mother should file her tax returns IMMEDIATELY in January 2018 and again in 2019, as soon as she receives any W-2s or 1099s that she is expecting. Identity thieves often steal names, social securities numbers, and dates of birth in order to file bogus tax returns where they collect huge tax refunds. The legitimate taxpayer only finds out once they file their own tax return only to have the IRS reject it because a bogus return was already filed. The IRS will eventually fix the theft mistake, but it will tie up the taxpayer's refund for several extra months.
Lastly, your mother should ask the hospital if they will pay for free credit monitoring services, and if necessary, free credit repair services. If the hospital will pay for such a service, then accept their offer.
I wish you the best as you sort this out.