Preventing Identity Theft
Preventing Identity Theft
After a loved one dies, you may assume their personal information is no longer at risk. Unfortunately, that is not the case. Criminals often target the recently deceased, using their Social Security number, bank details, or other records to open credit cards, apply for loans, or file fraudulent tax returns. This type of identity theft can damage the estate and create stress and financial loss for surviving family members.
Acting quickly to prevent potential misuse is one of the most important tasks following a death.
Your next steps:
Be Aware of Identity Theft
The personal data of someone who has died can remain active in systems and databases for months. Unless the right agencies are notified, credit reports stay open, and automatic systems may still process loan applications or approve new accounts. Criminals sometimes scan obituaries or use leaked data to find targets. Once they have the right pieces of information, they can commit fraud before the estate is even aware that something is wrong.
Protect the Deceased’s Identity
The best protection begins with notifying the three major credit bureaus. Let them know the person has passed away and ask them to flag the file as “deceased.” This limits the ability to open any new accounts. Contact each bureau individually:
- Equifax: 1-888-548-7878
- Experian: 1-888-397-3742
- TransUnion: 1-800-916-8800
You will need to provide a certified death certificate and documents proving your authority to act on behalf of the estate, such as Letters Testamentary or Letters of Administration.
Also, call the Social Security Administration at 1-800-772-1213. If they have not already been notified by the funeral home, they can stop benefits and flag the record in their system. This helps prevent fraudulent use of the Social Security number.
Check for Fraud
Go to www.annualcreditreport.com to request credit reports from all three bureaus. Look for any unfamiliar accounts, recent inquiries, or changes. If anything appears suspicious, contact the credit bureau directly to file a dispute.
Close All Financial Accounts
Contact all banks, lenders, credit card issuers, and investment firms to close or freeze the deceased person’s accounts. This includes digital wallets, online subscriptions, and any store credit cards.
What to Do if Fraud Has Occurred
If you suspect someone has stolen the deceased’s identity, file a police report. Then go to www.IdentityTheft.gov, a site run by the Federal Trade Commission, to report the fraud and begin resolving the damage.
Quick action can protect the estate and prevent long-term problems. Identity theft after death is common, but it is also preventable with the right steps.
