Identity Theft Resources
Tips for protecting yourself against identity theft
This article applies to: Security & Policy
Identity theft is a national problem exacerbated by massive data breaches at major corporations. The most recent breach at Equifax in September 2017 affected as many as 143 million U.S. consumers. Your best defense is to practice good security habits and encourage everyone you know to do the same.
Source: Federal Trade Commission consumer.ftc.gov
Protect Your Personal Identity
Take these steps to protect your personal identity and financial information:
Create your online Social Security account -- regardless of your age or retirement eligibility -- to prevent attackers from doing so.
If you already have an account, regularly review your statements and be alert for benefits activity you didn't initiate.
Freeze your credit report to prevent attackers from obtaining credit histories and opening new lines of credit.
Note: If you know you'll need to apply for a loan or credit card in the near future, a 90-day fraud alert could be a simpler choice. Learn about the differences between a fraud alert and a credit freeze.
- If you aren't already using Cornell’s Two-Step Login service, sign up and then choose the option to expand where you use it.
- Be suspicious of ALL phone calls and emails that request personal information, or threaten that you'll lose access to something if you don't log in or respond. If you think it might be real, look up the company's contact information and ask. Read more tips on spotting fraudulent emails.
Help for Identity Theft Victims
If you believe you may be the victim of identity theft, contact your local community law enforcement or the Cornell Police at 607-255-1111 to file a report.
IdentityTheft.gov is the U.S. government’s one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process.
- Tell them what happened.
- Get a recovery plan.
- Put your plan into action.
Get help to report and recover from identity theft.
September 2017 Equifax Breach
Equifax is one of the three largest credit-reporting agencies in the U.S. On September 7, 2017, the company announced a security breach that potentially affected 143 million U.S. consumers. You can find out if you were affected and enroll in a credit monitoring service at no cost.
Per Equifax.com, "enrolling in the free credit file monitoring and identity theft protection products that [Equifax is] offering as part of this cybersecurity incident does not prohibit consumers from taking legal action."
IRS Security Awareness
Tax-related identity theft occurs when someone uses a stolen Social Security number to file a tax return claiming a fraudulent refund. The victim may be unaware that this has happened until they e-file their return and discover that a return has already been filed using their Social Security number. Or the IRS may send a letter saying they've identified a suspicious return filed using their Social Security number.
For information on how to reduce your risks, stay aware, and what to do when you think something's happened, visit the IRS Taxpayer Guide to Identity Theft.
Useful Web Resources
|Website Name||Website URL||Resource Description|
|Federal Trade Commission||consumer.ftc.gov/topics/identity-theft||National consumer protection agency. Learn more about the crime of identity theft.|
|Equifax||equifax.com||National credit reporting agency.|
|Experian||experian.com||National credit reporting agency.|
|TransUnion||transunion.com||National credit reporting agency.|
|Annual Credit Report||annualcreditreport.com||Only authorized source to obtain your free credit report under the Fair Credit Reporting Act (FCRA). You are entitled to a free report from each of the three major credit bureaus once every 12 months. Service is also available at 1-877-322-8228.|
|OptOutPrescreen||optoutprescreen.com||Opt in or opt out of prescreened offers for credit or insurance. Service is also available at 1-888-5-OPTOUT.|
|Federal Trade Commission - Identity Theft Recovery||identitytheft.gov||One-stop resource for identity theft victims, with streamlined checklists and sample letters to guide you through the recovery process.|