Someone is Using My Social Security Number – What Should I Do?

by Lynnette Khalfani-Cox, The Money Coach on September 7, 2011

in Identity Theft


If you recently had your Social Security card stolen or an identity thief had access to your Social Security number, someone could be using your Social Security number for a variety of purposes. Using someone else’s Social Security number is illegal but thousands of people become the victims of identity theft after losing their Social Security card or when the privacy of sensitive documents and online activities has been compromised. If you detect suspicious behavior on your credit card statements or credit report, someone could be using your Social Security number for their own benefit.

Steps to Take When Someone is Using Your SSN

The Social Security Administration recommends taking the following steps when you think someone is using your number:

  • Report the issue to the Social Security Administration. Call the SSA toll-free at 1-800-772-1213 to file an official report and get a recommendation on what to do next. The SSA may determine whether they need to issue you a new number or card, or if the incident will be forwarded to law enforcement or regulatory agencies.
  • Resolve credit problems by contacting the Federal Trade Commission (FTC). The FTC is dedicated to fighting back against identity theft and provides a number of resources for identity theft victims. You can call the FTC directly at 1-877-IDTHEFT and learn more about your options by reviewing the materials on the FTC Identity Theft website.
  • Contact your banks and credit card companies to report the issue. Let your banks and creditors know that someone is using your card and that you are concerned about the thief having access to your accounts. The bank or credit card company may be able to put a “credit freeze” on your account until the issue has been resolved. They may also be on the alert for any suspicious activity and let you know if and when they detect something.

How Someone Can Use Your Social Security Number

There are several reasons why someone may want to use another’s Social Security number. These include:

  • To gain employment where they may have been previously denied, or if they are not legally permitted to work in the United States
  • To open up credit card accounts in your name and have access to your new credit line
  • To access your current credit card or bank accounts
  • To access your credit report and steal your identity completely
  • For tax purposes

Taking action the moment you learn that someone is using your SSN can reduce the risk of serious financial and identity problems in the future. Use the tips above to reduce the impact of identity theft and fraud.

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