Use the identity-theft path only when it is true
A false identity-theft report can create serious legal and financial harm. When identity theft actually occurred, IdentityTheft.gov can produce a recovery plan and official report for use in the recovery process.
Prepare the required records securely
CFPB guidance explains that a request to block fraudulent credit-report information generally includes an identity-theft report, proof of identity, and a letter identifying the fraudulent debts or information. Sensitive records belong in an authorized secure channel, never ordinary public chat.
- List each fraudulent account separately
- Keep report numbers and delivery receipts
- Use copies and retain originals
Reduce further exposure
A credit freeze can limit access to a credit file and may help prevent new accounts from being opened by an identity thief. A freeze also affects legitimate applications, so the consumer must manage when it is lifted. Continue monitoring reports and account notices.
Common questions
Clear answers, clear limits.
Can I use an identity-theft report for a debt I recognize?
No. Use identity-theft procedures only for information that actually resulted from identity theft.
What is the official starting point?
IdentityTheft.gov is the federal government's recovery resource for reporting identity theft and building a recovery plan.
Should I send identity documents through the AI chat?
No. Do not send Social Security numbers, passwords, full account numbers, reports, or identity documents through public chat.