Discovering that someone has stolen your identity can be overwhelming, frightening, and deeply personal. The effects of identity theft often reach far beyond finances; they can disrupt your credit, interfere with employment, and take months or even years to fully resolve. If you believe you’re a victim of identity theft, continue reading and reach out to our seasoned New Mexico identity theft lawyers to learn about the steps you need to take if your identity has been stolen. Here are some of the questions you may have:
How can I tell if my identity has been stolen?
Sometimes identity theft is obvious, but in many cases, it creeps in quietly. You might notice strange charges on your credit card statement or receive calls about loans you never applied for. Some people find out only after being denied for credit unexpectedly, while others receive tax documents for jobs they never held. Any of these can be red flags. If you see mail, bills, or collection notices addressed to you but referencing unfamiliar accounts, don’t ignore them. Even a small inconsistency can be the first sign of something more serious.
It’s also a good idea to check your credit report regularly. Federal law allows you to obtain one free credit report per year from each of the three major credit bureaus. You can obtain the free reports at www.annualcreditreport.com. Reviewing your credit report is one of the most effective ways to spot fraudulent accounts. If you notice anything unusual—accounts you didn’t open, inquiries you didn’t authorize, or incorrect personal information—it’s time to act.
What steps should I take immediately after discovering identity theft?
First and foremost, report the identity theft to the Federal Trade Commission at IdentityTheft.gov. This site will help you create a personalized recovery plan and provide you with a pre-filled Identity Theft Report, which is essential for proving your case to creditors and law enforcement.
Next, contact one of the three major credit bureaus (Equifax, Experian, or TransUnion) to place a fraud alert on your credit file. This alert makes it harder for someone to open new accounts in your name, and it lasts for one year. Once you place a fraud alert with one bureau, they are required to notify the others.
You should also file a report with your local police department. While some cases of identity theft cross state or national lines, a local police report can still be an important piece of documentation when working to clear your name.
After that, contact any affected financial institutions. Close any fraudulent accounts, dispute unauthorized charges, and change your passwords. If needed, consider freezing your credit entirely, which blocks access to your credit file and prevents new accounts from being opened in your name.
Can a New Mexico consumer lawyer help me recover?
Absolutely. While some cases of identity theft can be handled on your own, others require professional guidance, especially when the damage is extensive or creditors are refusing to cooperate. A consumer protection attorney can help you assert your rights and demand accountability from companies that failed to protect your information.
If you have further questions or wish to speak with a lawyer who can fight for you, please don’t hesitate to contact Feferman, Warren & Mattison for a free consultation today.
