Frequently Asked Questions

Mail theft is a gateway for identity theft because physical mail often contains personal and sensitive information. Items such as bank statements, pre-approved credit card offers, medical records, and tax documents can be used by identity thieves to open new accounts in your name, take over existing accounts, or apply for government benefits fraudulently. Even… [Read More]

One of the first signs of identity theft via mail theft is a sudden decrease in the volume of mail you receive—particularly financial statements, bills, or credit card offers. If you notice you’re no longer getting expected mail, someone may have submitted a fraudulent change-of-address request or is intercepting your mail to hide evidence of… [Read More]

If you believe your mail has been stolen and your identity compromised, act fast. First, report the mail theft to the United States Postal Inspection Service (USPIS). This helps initiate a federal investigation and may prevent further unauthorized access to your mail. You should also notify your local police department to document the theft, which… [Read More]

SIM swap fraud—also known as SIM hijacking—occurs when a scammer convinces your mobile carrier to transfer your phone number to a new SIM card that they control. Once they gain control of your number, they can intercept text messages and calls, including those used for two-factor authentication (2FA), giving them unauthorized access to your online… [Read More]

The most obvious sign of a SIM swap attack is the sudden loss of cellular service—your phone may stop receiving calls or texts even though your bill is paid and your phone is in working condition. This happens because the attacker has successfully transferred your number to their own SIM card, rendering yours inactive. Another… [Read More]

If you’re the victim of SIM swap fraud, your first step is to contact your mobile provider and request that they lock or recover your account immediately. Ask for your number to be reactivated on your original device and inquire about the steps taken that led to the unauthorized SIM swap. Request a detailed record… [Read More]

Creditors may deny an identity theft claim for several reasons, often citing lack of sufficient evidence or discrepancies in the documentation provided. If the fraud wasn’t reported promptly, or if the creditor believes you were involved or negligent, they might reject your request to remove fraudulent charges. Even when you file a valid report, creditors… [Read More]

Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), you have specific rights if you’re a victim of identity theft. If you notify a creditor in writing, provide a police report or FTC report, and supply identity verification, the creditor must investigate and block the fraudulent information from your… [Read More]

To dispute a denial effectively, start by requesting a detailed explanation from the creditor. Under the FCRA, you’re entitled to know why your claim was denied and what evidence was considered. This information helps you identify gaps or errors in your original submission and prepare a more robust dispute. Next, gather all supporting documentation. This… [Read More]

Yes, you may be able to pursue legal action against someone who stole your mail and used it to commit identity theft. Mail theft is a federal crime under 18 U.S. Code § 1708, and if the stolen mail was used to open fraudulent accounts or access personal financial data, you may also have a strong… [Read More]