What Happens If Someone Steals Your Social Security Number?

Your Social Security number (SSN) is one of the most important pieces of personal information you have. It’s used to identify you for a variety of purposes, including tax filing, employment, and accessing government benefits.

If someone steals your SSN, they could use it to commit identity theft. Identity theft is a crime that occurs when someone uses your personal information to open new accounts, make purchases, or file taxes in your name.

Potential Consequences of SSN Theft

Financial fraud. Identity thieves can use your SSN to open new credit cards, take out loans, or make unauthorized purchases.
Credit damage. Fraudulent activity can damage your credit score, making it harder for you to qualify for loans or other forms of credit.
Tax refund theft. Identity thieves can use your SSN to file a tax return in your name and claim your refund.
Government benefits fraud. Identity thieves can use your SSN to apply for government benefits, such as Social Security or Medicare.

Steps to Take If Your SSN Is Stolen

If you believe your SSN has been stolen, it’s important to take action immediately. Here are some steps you should take:

Contact the Social Security Administration (SSA). You can report your SSN theft to the SSA by calling 1-800-772-1213 or visiting their website at https://www.ssa.gov/.
Place a fraud alert on your credit reports. This will make it harder for identity thieves to open new accounts in your name. You can place a fraud alert by contacting one of the three major credit bureaus:

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

File a police report. This will document the theft and help you to protect your rights.
Monitor your credit reports and financial accounts. Keep an eye out for any unauthorized activity and report it to your creditors and banks immediately.