Protecting yourself from identity theft


  1. Do not disclose your full nine-digit Social Security number unless absolutely necessary, and never use it as an identifier or password. Question those who ask for it.
  2. Avoid paper billing by requesting secure electronic statements instead. If you require hard copies, you can print and store them safely without risking mail theft.
  3. Lock your mailbox if it's lockable.
  4. Shred documents containing personal information (name, account numbers, social security number, birth date) before throwing them away. 
  5. Configure your computer and/or smartphone to require a password for use, and set another password for sensitive files. Use unique passwords that include a combination of letters, numbers, and symbols. Do not use your birth date, a close relative's birth date, or a combination of letters and numbers on Splashdata's annual list of the most stolen passwords.
  6. Avoid using the same password for different accounts, and change your passwords once or twice per year.
  7. Install and update antivirus, anti-malware, and security programs on all computers, tablets, and smartphones.
  8. Don’t disclose information commonly used to verify your identity on social networking sites, such as date of birth, city of birth, mother’s maiden name, name of high school, etc. If you do, don't use that information to verify your identity.
  9. Avoid using credit or debit cards or conducting online banking transactions or making purchases, paying bills, or sending sensitive information over unsecured WiFi networks (e.g., any network without a password log-in, such as on trains, at airports, coffee shops, or hotels).
  10. Disable Bluetooth connections on devices when not in use.
  11. Watch out for “phishing” and other “social engineering” scams. Phishing is when identity thieves request personal information by pretending to be a legitimate entity, such as a bank or the IRS. Ignore unsolicited requests for personal information by email or over the phone, and only contact entities by means you know to be authentic. Do not contact an entity by clicking a link sent as part of an email requesting personal information, because phishers often link to authentic-looking, fake webpages. You can also call the phone number on the back of a card previously issued to you, or call the phone number on an old statement from that issuer. 
  12. Fight “skimmers.” Do not give your debit card to a restaurant server or anyone who could have a hand-held skimming device out of sight. When using an ATM, look for suspicious cameras and holes, and touch to confirm that extra parts (loose or slightly different colors) have not been installed over the card reader. Always cover your hand while hand typing a PIN, and avoid using ATMs in secluded locations.
  13. When accessing financial information on your smartphone, only use apps authorized by your bank or published by reputable app makers. Apps that show thousands of downloads are probably safe. Do not access apps on public open wi-fi.
  14. Place security, or credit freezes, on your credit report. Our separate “security freeze” tips explain how to guarantee peace of mind against new account identity theft by freezing your credit reports, then thawing them only when you are in the credit markets. A creditor will deny credit to an imposter who applies for credit using the name and Social Security Number of a consumer who has placed a freeze.


  1. Check your monthly statements for unauthorized charges. Be suspicious of phone calls about surprise debts.
  2. Sign up to receive email and/or text notifications of account activity and changes to account information.
  3. Instead of paying for over-priced subscription credit monitoring, use your free annual credit reports by law as your own credit monitoring service. Every 12 months, federal law gives you the right to receive one free credit report from each of the three main consumer reporting agencies, Equifax, Experian and TransUnion. Instead of requesting three at the same time, request one credit report from one of the bureaus every four months. Verify that the information is correct, and an account has not been opened without your knowledge. Free credit reports are available online at or by calling 1-877-322-8228. Seven states – Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont also provide an additional free report by state law, available by contacting each bureau directly.

Types of Identity Theft:

Federal law recognizes two sorts of identity theft—existing account fraud and new account (account takeover) identity theft.

Existing Account Fraud: Victims of data breaches where only their account numbers were taken are well-protected by law, although victims of lost debit card numbers may face bounced checks and cash flow problems until the bank replaces their funds. The Electronic Funds Transfer Act (EFTA) provides for no liability if you notify the financial institution within 60 days if only your debit card numbers are stolen. However, if you actually llose a debit card or other device that can access your bank account, your liability could be up to $500 if you fail to notify the bank within 2 days of finding out about the loss and could increase even higher if you fail to notify the bank within 60 days. Under the separate Truth In Lending Act, credit card customers are always well protected by law, never facing liability of greater than $50 for fraudulent use of a card.

New Account Identity Theft: A thief who obtains your Social Security Number may attempt to open new accounts in your name. This form of identity theft is difficult to clear up. A thief who obtains your email address may contact you in a phishing scam to try and trick you into providing your SSN and birth date, which are the keys to new account identity theft. Thieves apply for credit with your name, your SSN and their own address. The creditor then obtains a credit report and issues credit to the thief.

Be Wary of New Types of Identity Theft: Note that online tax preparers and the IRS itself have been hacked, resulting in tax refund fraud. Health insurance data breaches may result in medical services theft. A federal agency, the Office of Personnel Management (OPM), has recently been breached. Detailed security clearance dossiers that were taken provide thieves with the opportunity to commit new account identity theft and could subject victims to reputational risk and emotional harms, since information on possible marital affairs, drug and alcohol abuse treatment, previous arrests even without convictions, may have been taken.


Step 1: Notify your financial institutions.

If you discover that your wallet, checkbook, credit card or other sensitive information has been lost or stolen, immediately notify the issuing bank, credit card issuer, or relevant institution to close all existing accounts. 

Step 2: Get an Identify Theft Affidavit.

If you suspect identity theft, report it to the Federal Trade Commission using the online complaint form or by calling 1-877-ID-THEFT. When making the report, you will be given an option to receive an Identity Theft Affidavit. This document, together with the police report, will be critical to minimizing the damage.

Step 3: File a police report.

If you believe you are a victim of identity theft, file a report with your local police department. When you make the report, bring a copy of the Identity Theft Affidavit. The police report will be important for insurance purposes. Keep copies of the police report and Identity Theft Affidavit.

Step 4: Contact the three major credit reporting companies and place a fraud alert on your accounts. If you haven’t already, it’s time to place a security freeze.

An important next step is to place a fraud alert and a security freeze on your credit report. Placing a fraud alert tells businesses checking your credit rating that there may be fraud involved in the account. The fraud alert must be renewed after 90 days, and it entitles you to receive one free credit report from each of the main agencies. The security freeze stops anyone from seeing your credit report without your permission. Alerts and freezes can be placed by contacting the toll-free fraud number of any of the three consumer reporting companies noted below. Initiating a credit freeze does not impact your credit score.

  • TransUnion: 1-800-680-7289;; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
  • Equifax: 1-800-525-6285;; P.O. Box 740241, Atlanta, GA 30374-0241
  • Experian: 1-888-EXPERIAN (397-3742);; P.O. Box 9554, Allen, TX 75013

Step 5: If your social security number was stolen, contact the Social Security Administration.

File a report and access resources at You can also call 1-800-772-1213.



Issue updates

30 years of toy safety

For the past thirty years, our sister organization U.S. PIRG Education Fund has taken a close look at the safety of toys sold in stores. Their reports have led to more than 150 regulatory actions. In November 2015, they released our 30th annual Trouble in Toyland report.

> Keep Reading
Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Why You Should Get Security Freezes Before Your Information is Stolen

Here are tips for preventing ID theft and using a security freeze:

How To Avoid Identity Theft

How To Use a Security Freeze

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

PIRGs, Others Ask CFPB & FTC To Investigate Experian/T-Mobile Data Breach

In a letter sent today, a number of state PIRGs and other leading privacy and consumer groups urged the CFPB and FTC to fully investigate the recent breach of an Experian subsidary that exposed 15 million T-Mobile customer and applicant records to the threat of new account identity theft. The letter asked whether the regulators could require Experian and the other two nationwide credit bureaus -- TransUnion and Equifax -- to give victims free security freezes to protect their credit reports.

> Keep Reading


News Release | Florida PIRG | Consumer Protection

Consumer Advocates Call on Governor to Veto Double Rent Bill

Legislation headed for Governor Crist’s desk would hit renters hard with exorbitant fees and place dwindling affordable housing out of reach for many renters. Statewide organizations representing tenants and consumers say that the Governor, a renter himself, should veto this bill to protect tenants who would have to pay an extra penalty equaling up to two months rent, in addition to any unpaid rent, or other fees if they leave a lease due to unforeseen circumstances.

> Keep Reading
News Release | Florida PIRG | Consumer Protection

Open Letter To Florida's State Representatives

Florida’s property owners are still waiting desperately for relief from high property insurance premiums. So far, the rate cuts come up seriously short. Many families are being priced out of their homes.

> Keep Reading
News Release | Florida PIRG | Consumer Protection

Consumer Groups Warn Lawmakers: Beware the Fine Print in Some Bills, it's no Joke to Consumers

Be careful what you vote for or the joke could be on Florida's consumers. That's the message Florida's top consumer advocates delivered on the eve of April Fools' Day, warning lawmakers to read the fine print on some bills quietly making their way through the legislative process.

> Keep Reading
News Release | Florida PIRG | Consumer Protection

New Report Links Toxic Pollution with Health Hazards as EPA Acts to Restrict Pollution Data

Exposure to dangerous toxic pollution from industrial facilities threatens communities all across Florida, according to a new report. The report, Toxic Pollution and Health, uses information from the federal Toxic Release Inventory (TRI) to analyze toxic pollution linked to serious health problems such as cancer, birth defects or neurological damage. Due to a recent EPA action restricting the public’s right to know, today’s report may provide one of the last complete pictures of toxic pollution in Florida.

> Keep Reading
News Release | Florida PIRG | Consumer Protection

House Fails to Strengthen Weak Chemical Security Program

The House today failed to strengthen a weak chemical security program crafted behind closed doors and attached to the Homeland Security funding bill. The vote came on a procedural motion to limit debate and amendments to the funding bill and effectively prevented consideration of an amendment by Representative Sabo (MN) to dramatically improve the underlying chemical security provisions.

> Keep Reading


View AllRSS Feed

Defend the CFPB

Tell your senators to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

Support Us

Your donation supports Florida PIRG’s work to stand up for consumers on the issues that matter, especially when powerful interests are blocking progress.

Consumer Alerts

Join our network and stay up-to-date on our campaigns, get important consumer updates and take action on critical issues.
Optional Member Code