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Identity Theft

Tax-related identity theft occurs when someone uses your stolen Social Security number (“SSN”) to file a tax return claiming a fraudulent refund. An identity thief will use your SSN to file a false return early in the year. You may be unaware you are a victim until you try to file your taxes and learn one already has been filed using your SSN.

  1. Respond immediately to any IRS notice; call the number provided.  The IRS does not contact taxpayers by e-mail to request personal or financial information.
  2. Complete and mail IRS Form 14039, Identity Theft Affidavit.
  3. Report identity theft at and learn how to respond to it at
  4. Contact the three major credit bureaus to place a “fraud alert” on your credit records:
    1. Equifax – – 1-800-525-6285
    2. Experian – – 1-888-397-3742
    3. Trans Union – – 1-800-680-7289
  5. Contact your financial institutions
  6. Close any accounts opened without your permission or tampered with.
  7. Continue to pay your taxes and file your tax return

Below are some helpful links from the Internal Revenue Service and the Federal Trade Commission related identity theft prevention, detection and assistance.

Your homeowner insurance policy may contain a rider to provide financial assistance related to identity theft. 

Consult your insurance agent for additional information regarding this coverage.

Credit Report

For a free copy of your credit report, see the following websites