IDENTITY THEFT ISN’T JUST ANNOYING — It’s a Crime. Here’s What to Do Next
Think your identity has been stolen?
Learn why filing a police report is crucial, what steps to take, and how R23 Law’s California Consumer Protection Attorneys can help you reclaim your financial future.
Don’t Just Panic—Report It
Identity theft isn’t just a personal inconvenience—it’s a financial and legal emergency. With nearly 24 million Americans victimized each year, identity theft can cost you far more than peace of mind. Whether your credit card’s been compromised or your entire Social Security number hijacked, taking the right steps quickly can dramatically reduce the damage.
The first move? File a police report.
At R23 Law, our California Consumer Protection Attorneys regularly help victims of identity theft navigate their recovery and hold wrongdoers accountable. Here’s what you need to know.
Why a Police Report Matters for Identity Theft
Filing a police report may feel extreme—but it isn’t. It’s a strategic, protective legal action that offers several key benefits:
Kickstarts an investigation: A report prompts law enforcement to track down the criminal and sets the groundwork for legal action.
Serves as official documentation: Creditors and credit bureaus often require a police report to process fraud claims and correct records.
Supports your innocence: It helps prove that any fraudulent transactions weren’t your doing—especially useful if debt collectors come calling.
Essential for fraud affidavits: Agencies like the FTC and credit bureaus often require a police report to complete fraud affidavit forms.
Step-by-Step: Reporting Identity Theft the Right Way
Filing a police report is just one part of the identity recovery journey. Follow these 11 steps to protect your accounts, your credit, and your peace of mind:
1. Contact Your Banks Immediately
Shut down unauthorized access before more damage occurs. Call your bank and credit card issuers the moment you suspect fraud.
2. Review All Financial Accounts
Check for suspicious charges, unfamiliar loans, and unexpected changes across credit cards, checking accounts, and investment accounts.
3. Dispute the Fraudulent Charges
Submit formal disputes to your financial institutions. Police reports can help back your claims.
4. Report to Your Local Police
Include details of what happened, when it started, and any evidence you have. Always request a copy of the report for your records.
5. File a Complaint with the FTC
The Federal Trade Commission (FTC) collects national data on identity theft and shares it with law enforcement agencies.
6. Request a Copy of the Police Report
You’ll likely need it for disputes, affidavits, and correcting your credit record.
7. Place a Fraud Alert
Contact Experian, Equifax, and TransUnion to flag your credit report.
8. Monitor Accounts Religiously
Check your statements and credit reports frequently to catch new fraud early.
9. Update Your Passwords
Use strong, unique passwords—and turn on two-factor authentication whenever possible.
10. Freeze Your Credit
Prevent new accounts from being opened in your name while you sort things out.
11. Call R23 Law’s California Consumer Protection Attorneys
The final step? Bring in the legal pros. Our attorneys specialize in identity theft recovery and consumer rights.
The Fallout: Identity Theft’s Impact on Your Credit
Identity theft can tank your credit score, resulting in:
Denied mortgage or loan applications
Higher interest rates
Difficulty securing housing or employment
Filing a police report can limit these consequences by proving you were a victim—not a delinquent borrower.
Why You Need R23 Law On Your Side
At R23 Law, our California Identity Theft Victim Lawyers understand the emotional, financial, and legal toll identity theft takes. We:
Help you file disputes and affidavits
Deal directly with creditors and credit bureaus
Pursue claims under the Fair Credit Reporting Act (FCRA)
Litigate against negligent institutions or repeat offenders
Provide bilingual support across California
Act Fast. Protect Your Future.
IDENTITY THEFT ISN’T JUST ANNOYING — It’s a CrimeIdentity theft moves fast—but so do we. If you're dealing with fraud, don't wait to reclaim your rights and restore your financial integrity.
📞 Schedule your free consultation with R23 Law’s California Consumer Protection Attorneys today. Call 1-866-726-2718 or visit r23law.com to get started.
