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Summary

Use this article if:

  • You think that your email addresses, passwords, or other personal information is on the dark web
  • You think that your personal information has been stolen, breached, or used illegally
  • You want to learn how to fix these breaches

More resources:

To learn more about our new personal protection apps and services, visit the McAfee Security product page.

As online security threats grow, it’s important to know if cybercriminals have stolen your personal information.

If cybercriminals have your personal information, they can sell and trade it on the dark web, alongside many other types of commodity.

Information traded and sold on the dark web often includes stolen passwords, email addresses, phone numbers, and other types of personal information (known as Personally Identifiable Information, or PII). This information is typically obtained through data breaches.

If we find your data on the dark web, or you suspect that your data is on the dark web, follow the steps below to protect your identity.

NOTES:

  • The steps vary by country. So select your country from the list
  • Not all countries in the list below have remediation steps. We are working to update this article with more steps over time
  • Telephone numbers and web links are correct at the time of publishing. But these points of contact might change. Always check using local resources to make sure that you are using the latest contact details.

Click to expand your country, then follow the steps.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the companies where you know that fraud occurred. If applicable, also inform the companies that issued your plastic cards.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

    NOTE: Some companies might not comply unless you have a Commonwealth Victim’s Certificate.

Step 2​ Apply for a Commonwealth Victims’ Certificate.
  1. Collect all evidence of the identity crime. These elements need to be proven with the evidence:​
  • A person makes, supplies, or uses identification information that is yours​
  • That person has the intention to pretend to be you. For example, someone who picks up your lost ID might not be trying to pretend to be you. But, if this person used your identification to redirect Medicare rebates to their own bank account, they have committed an identity crime.​
  1. Print and complete this Application for a Commonwealth Victims’ Certificate.
  2. Complete a statutory declaration. Make sure you understand that this declaration can be used as evidence in a legal proceeding. For more details, read this document before you complete the statutory declaration.
  3. Submit your application and statutory declaration to a magistrate of a state or territory magistrate’s court. Bring proof of your identity during this interaction.​
  4. Be ready to provide more information to the magistrate to help them decide whether to issue a certificate.
  5. Use the certificate to re-establish your credentials, or remove a fraudulent transaction from your records with different companies.
    The certificate does not compel an organization to take action or re-establish your credit rating, but most companies recognize the certificate.

Identity Theft Checklist – Context-Specific Steps
Actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Contact IDCARE Australia has a service called IDCARE that can help you learn more about ID Theft and recovery.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the companies where you know that fraud occurred.
If applicable, also inform the companies that issued your plastic cards.​
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.
Step 2​ Place a fraud alert with both bureaus Place a fraud alert with both of the following credit bureaus:

Step 3​ File a report with your local police station
  1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
    address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on).
  2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
  3. Ask for a copy of the police report​.
Step 4 Contact the Canadian Anti-Fraud Centre Call toll free at 1-888-495-8501 or via the Fraud Reporting System.

Identity Theft Checklist – Context-Specific Steps
Actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Lost or stolen passport
  1. Visit your nearest police station and report your passport as lost or stolen.
  2. Obtain a copy of the police report​.
  3. Report the lost passport to the nearest Department of Internal Affairs Office, or on their website.
  4. You can also apply for a replacement passport here.
Lost Social Insurance Number (SIN)
  1. File a complaint with the police. Ask for the case reference number with the officer’s name and telephone number.
    Obtain a copy of the police report if possible with your name and SIN stated within the report.​
  2. Contact the Canadian Anti-Fraud Centre at 1-888-495-8501, or on their website.​
  3. Contact both credit bureaus. Ask for a copy of your credit report and review it for suspicious activity.
    Ask to see if your credit file should be flagged (fees might be applicable)​.
  • Equifax: 1-800-465-7166​
  • TransUnion: 1-800-663-9980 (for residents of Quebec: 1-877-713-3393)​
  1. Inform your bank and creditors by phone and in writing if there are irregularities.​
  2. Report irregularities.
Lost or stolen immigration documents Contact Citizenship and Immigration Canada.
Stolen mail or fraudulent mail redirect
  1. Contact Canada Post.
  2. Inform your utility providers (landline and cellphone, electricity, water, gas, and so on) about the identity fraud.
Lost or stolen provincial or territorial identity documents These documents include:​

  • Birth certificate
  • Driver’s license​
  • Health card​
  • Other documents issued by a province or territory​

Also, contact the province or territory that issued the document if:​

  • The document has been lost or stolen​
  • You believe that someone is fraudulently using this information​

You can find contact information on provincial and territorial government websites

Additional information about why Service Canada does not issue new Social Insurance Numbers for those affected by a data breach​:

  • A new Social Insurance Number does not protect you from fraud and identity theft.
    • A new Social Insurance Number is not a fresh start, or protection from fraud or identity theft.
    • If someone else uses your old Social Insurance Number and the business does not check the person’s identity, you might have to prove that you were not involved in the fraud. You might also have to pay the impostor’s debts.​
  • A new Social Insurance Number introduces complexities. ​
    • The Government can only share your new Social Insurance Number with the federal departments and agencies that use your Social Insurance Number.​
    • It is up to you to provide your new Social Insurance Number to organizations with which you shared your old Social Insurance Number. These organizations might include financial institutions, creditors, pension providers, recent and current employers.​
    • Not doing so, or failing to do so properly, risks not receiving benefits. It also leaves the door open to subsequent fraud or identity theft.
  • You double your monitoring efforts with two Social Insurance Numbers instead of one. ​
    • A new Social Insurance Number does not erase your old Social Insurance Number. You would need to monitor your accounts and credit reports for both Social Insurance Numbers on a regular and ongoing basis, which would be burdensome. ​
    • Multiple Social Insurance Numbers increase the risk of fraud.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts tomake sure no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the companies where you know that fraud occurred.
If applicable, also inform the companies that issued your plastic cards.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.
Step 2​ Contact a credit agency. Contact a credit agency to find out more about your credit report and see if a loan or account has been issued in your name.​

  1. Contact one of the following:
    • Equifax (formerly known as Veda Advantage), or
    • Illion (formerly known as Dun & Bradstreet)
  2. Look through your credit report to see if there are any additional suspicious accounts opened in your name.​
  3. Contact those companies as well and notify them that your account is a result of identity fraud
Step 3​ File a report with your local police station
  1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
    address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on).
  2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
  3. Ask for a copy of the police report​.

Identity Theft Checklist – Context-Specific Steps
Actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Lost or stolen passport
  1. Visit your nearest police station and report your passport as lost or stolen.
  2. Obtain a copy of the police report​.
  3. Report the lost passport to the nearest Department of Internal Affairs Office.
  4. You can also apply for a replacement passport here.
Lost of stolen driver’s license
  1. Visit any of the New Zealand Transport Agency (NZTA) licensing agents​.
  2. Bring evidence of your identity and address (passport, utilities bill, mortgage payments, apartment contract)​.
  3. Submit a completed Form DL2.
  4. Pay the replacement license fee​.

NOTE: The replacement driver’s license has the same expiry date as the lost license.
You can apply to renew your license for up to 10 years. If you are unable to replace your driver’s license, contact the NZTA to cancel the license card entirely.

Lost or stolen check book,
Eftpos card, or credit card
  1. Contact your bank’s fraud department​.
  2. Let them know that you have been a victim of identity fraud​.
  3. Wait for the bank to send you new documentation​.
  4. File a police report.
Stolen mail or fraudulent mail redirect
  1. Contact New Zealand Post to find out if your post has a hold or redirect placed on it​.
  2. Follow up with the organization that sent the missing mail to update your address​.
  3. Present any evidence of stolen identity to the police and file a report.

Identity Theft Checklist – Optional
Optional actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Credit Suppression
  • Credit suppression freezes access to your credit file. It blocks Credit Reporting Agencies from disclosing any personal information from your consumer credit file to credit providers unless you provide written consent for them to do so (or if they must provide your info when needed by law)​.
  • It does not impact your current credit cards or loans unless credit is due for renewal​.
  • Suppressions with Equifax and Centrix are initially valid for 20 days. Illion suppression is valid for 10 days.​
  • More evidence might be needed for extending the credit suppression indicating that you are or are at risk of becoming a victim of identity fraud.​
  • Show a police report number, confirmation from a credit provider or a netsafe.org.nz report number to extend.

Contact all three Credit Reporting Agencies​:

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred.
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.

NOTE: More steps and guidance will be shown here as this article is updated.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the companies where you know that fraud occurred.
If applicable, also inform the companies that issued your plastic cards
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.
Step 2​ Place a fraud alert with a credit bureau
  1. Place a fraud alert with one of the following credit bureaus:
When one bureau is alerted, that bureau is obligated to alert the other two bureaus.
This action does not cost you anything, and makes sure that businesses must verify your identity before new credit is issued in your name​.
  1. Obtain a credit report from one of the credit bureaus.
    Use this report to check if there were any inquiries performed by a lender, and any dates of other incidents involving your credit.​
Step 3​ Report the incident to Action Fraud​ Call 0300 123 2040 Monday-Friday 8 a.m. – 8 p.m. (Saturday, and Sunday – Closed).

You can also make a report on the Action Fraud website.

Step 4​ File a report with your local police station
  1. Gather your credit report, government-issued ID with a photo (driver’s license or passport), proof of your
    address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, notices, and so on).
  2. Take the above to the police station, and tell them that someone stole your identity and that you need to report​ it.
  3. Ask for a copy of the police report​.

Identity Theft Checklist – Context-Specific Steps
Actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Lost or stolen passport
NOTES:
  • If you are abroad but not traveling immediately (more than 6 weeks to travel), you can apply for a replacement passport to be delivered to you.
  • If you are abroad and traveling imminently (within 6 weeks to travel), you can apply for emergency travel documents.
    Using this method includes passport cancellation procedures so you will not have to do it again.​
Lost of stolen checkbooks
  1. Contact your bank and let them know there has been an identity fraud incident​. The bank cancels your current checkbook and numbers, and issues you a new checkbook.
  2. Make sure that you update any dependencies like automatic deposits​.
Lost or stolen driver’s license
  1. Go to the Replace a lost, stolen, damaged, or destroyed driving license page, and complete the online application process for the driving license.

    To complete the process, you need:​

  • A valid UK passport or other form of identity​
  • Addresses from where you have lived in the last 3 years​
  • Knowing your National Insurance number and driving license number helps the process go faster​
  1. Wait for your new license to arrive in the post. The process takes about one week.​

    NOTE: You can still drive without a physical license, as long as you have notified the Driver and Vehicle Licensing Agency (DVLA), or completed the process above.​

Or, you can call DVLA at 0300 790 6801 and go through this process over the phone.
You can also send a D1 form available at your local Post Office. If your local post office is too far or does not stock D1 forms, call 0843 479 9821 and have a DVLA representative send you a D1 form. This process takes about 3 weeks.

Identity Theft Checklist – High-Priority Items
Carry out these steps first

Suggested priority Steps to take
Step 1​ Inform the affected companies where you know that fraud occurred
  1. Call the fraud department (or service department if no specific fraud number). Explain to the company that someone stole your identity.​
  2. Ask the company to freeze all your accounts to make sure that no one can add new charges unless you are contacted first.​
  3. Change loginspasswords, and PINs for your accounts​.
Step 2​ Place a fraud alert with a credit bureau
  1. Place a fraud alert with one of the following credit bureaus:
When one bureau is alerted, that bureau is obligated to alert the other two bureaus. This action does not cost you anything, and makes sure that businesses must verify your identity before new credit is issued in your name.
  1. Obtain a free credit report from www.annualcreditreport.com, or call 1-877-322-8228. Use this report to check if there are any other transactions that you don’t recognize.​
Step 3​ Report the incident to the
Federal Trade Commission (FTC)​
Go to identitytheft.gov and fill out the incident. The FTC will help you with further steps after you have created an account.​
Step 4​ File a report with your local police department​
  1. Take your credit report, your FTC identity theft report, government-issued ID with a photo (driver’s license or passport), proof of your address (mortgage statement, rental agreement, utility bill), proof of the theft (bills, IRS notices, and so on)
  2. Print the Memo from FTC to Law Enforcement document.
  3. Take the above to the police department and tell them that someone stole your identity and that you need to file a report​.
  4. Ask for a copy of the police report​.

Identity Theft Checklist – Repair
Carry out these steps next

Suggested priority Steps to take
Step 1​ Close new accounts opened in your name​
  1. Use the FTC Identity Theft Report and call the fraud department of each business where an account was opened.
  2. Explain that someone stole your identity​.
  3. Ask the business to close the account​.
  4. Make sure that the business sends you a letter confirming that the fraudulent account:​
  • Is not yours​
  • That you are not liable for it​
  • That it was removed from your credit report​
  1. Keep any documentation from these businesses in case a fraudulent account appears on your credit report later.​
  2. Write down the name of who you contacted and when you contacted them.​
Step 2​ Remove fraudulent charges from accounts that are yours​
  1. ​Call the fraud department of each business where fraudulent charges were accrued.​
  2. Explain that someone stole your identity​.
  3. Tell them which specific charges are fraudulent and to remove them​.
  4. Ask the business to send you a letter confirming they have removed the fraudulent charges​.
  5. Keep any documentation from these businesses in case your credit report is still affected by these charges later.​
  6. Write down the name of who you contacted and when you contacted them.​
Step 3​ Correct your credit report
  1. Write to each of the three credit bureaus. Here’s a sample letter.
  2. Include a copy of the FTC Identity Theft Report, and proof of your identity, with Name, physical address, and SSN.
  3. Explain which information on the report is due to identity theft, and ask them to block the information.

TransUnion.com​
Fraud Victim Assistance Department​    ​    ​
P.O. Box 2000​    ​
Chester, PA 19016​     ​
1-800-680-7289

Experian.com​
P.O. Box 9554
Allen, TX 75013
1-888-397-3742

Equifax.com​
P.O. Box 105069
Atlanta
GA 30348-5069​
1-800-525-6285 ​ ​

Identity Theft Checklist – Optional Items
Consider taking the following steps

Identity breach Steps to take
Set up a credit freeze Contact each of the three credit bureaus show above to set the freeze.​

A credit freeze:

  • Stops all access to your credit report unless you lift/remove it. ​
  • Is free to place and remove. ​
Obtain an extended fraud alert Available for free if someone stole your identity. ​

This alert is not a replacement for Identity Monitoring. It does not prevent data breaches or leaks,
but it gives you a credit report every time a company takes steps to verify your identity. ​

Extended fraud alerts last for 7 years. ​

Contact each of the three credit bureaus and ask for an extended fraud alert.

Identity Theft Checklist – Context-Specific Steps
Actions to take for specific types of identity breach are shown below

Identity breach Steps to take
Social Security Number (SSN) misuse
  1. Follow these steps to apply for a new SSN​.
  2. If you think your SSN is being used for work, get a work history report by creating an account.​
  3. If errors are found, contact your local Social Security office.
Debt collection on a fraudulent debt
  1. Write to the debt collector within 30 days of getting the collection letter.
    Here is a sample letter that you can use. ​
  2. Contact the business where the fraudulent account was opened, and:
  • Explain that this debt is not yours and to stop reporting this debt to credit bureaus.​
  • Ask for information about the debt and how it happened. The business must comply and give you details if you ask.
    Here is a sample letter that you can use. ​
  • Keep a note of who you contacted and when. Keep copies of any letters you send or receive from the business.​​
Lost or stolen SSN Follow these steps to apply for a new SSN.
Lost or stolen driver’s license Contact your local DMV to report it and get next steps for issuance of a new ID or replacement ID.
You can search for your nearest DMV here.​
Lost or stolen passport Call the State Department at 1-877-487-2778. ​

To replace your passport:​

Learn more:

Why Identity Monitoring is important
It’s vitally important to know if your personal information is on the dark web. Once because you can then take steps to prevent the cybercriminals from benefiting at your expense. The McAfee Identity Monitoring service continually scans the dark web for your personal information, and we alert you when we find your data there. When we alert you, we guide you through the steps that you need to take to fix things.

NOTE: You can’t change your information found on the dark web. And we can’t change or remove it, either. Once it’s there, it’s there. But if you know that particular accounts have been breached, you can take back control by changing the passwords of those accounts, or by taking other actions.

Our Identity Monitoring service detects your PII on the dark web on average 10 months ahead of other services. As we detect much earlier, we can alert you much earlier. Early notifications allow you to secure your accounts quicker, and minimize the time that cybercriminals have to conduct financial fraud with your details.

Source : Official McAfee Brand
Editor by : BEST Antivirus KBS Team

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