Charges and Actions to Take When Someone Uses Your Social Security Number Without Permission

When someone uses your Social Security Number (SSN) without your permission, it can lead to serious issues, primarily involving identity theft. Here are the potential charges and the steps you can take to address this situation effectively.

Identifying the Charges

There are several charges that can be brought against someone who is using your SSN without permission:

Identity Theft: This is the most common charge. Identity theft occurs when a person uses your personal information, such as your SSN, to commit fraud or other crimes.Fraud: If the individual is using your SSN to open accounts, take out loans, or commit other fraudulent activities, they may be charged with fraud.Credit Card Fraud: If they use your SSN to obtain credit cards or make purchases without your consent, this could lead to charges of credit card fraud.Theft: Depending on the jurisdiction, using someone else's SSN can be considered a form of theft.Federal Charges: Since SSNs are issued by the federal government, using someone else's SSN can also lead to federal charges, including violations of the Social Security Act.

Steps to Take

Here are the steps you can take to address the misuse of your SSN:

Report to Authorities

The first step is to file a report with your local police department. This creates an official record of the identity theft.

Notify the Federal Trade Commission (FTC)

You can report identity theft to the FTC at IdentityTheft.gov. They provide assistance and resources for recovery.

Contact Credit Bureaus

Place a fraud alert or credit freeze on your credit report with the major credit bureaus: Equifax, Experian, and TransUnion. This will help prevent further unauthorized use of your SSN.

Monitor Your Accounts

Keep an eye on your bank accounts and credit reports for any unauthorized transactions. Regular monitoring is crucial to quickly identify and report any suspicious activity.

Seek Legal Advice

Consider consulting with a lawyer who specializes in identity theft or consumer protection for personalized advice. Legal guidance can be invaluable in navigating this complex situation.

A Brief History and Legal Update

The situation with SSN misuse can be frustrating and challenging. While there is currently no ability to "press charges," there have been notable cases and efforts to address this issue:

In Massachusetts, several individuals were arrested and charged with documents fraud for using other people’s SSNs for employment purposes. This was a significant step in addressing the misuse of Social Security Administration (SSA) acknowledges the issue and reported in a 2013 letter that they are working on updating the laws. However, this process may take up to a decade.

Throughout this period of uncertainty, it's important to stay vigilant and take proactive steps to protect yourself.

Key Takeaways:

File a police report to create an official the FTC and place fraud alerts or credit monitor your financial accounts for unauthorized legal advice for personalized support.

By taking these steps, you can help ensure your personal information remains secure and initiate the process of addressing the misuse of your SSN.