Identity thieves have no qualms about wreaking havoc on their victims’ lives. But when the identity they steal belongs to a deceased person, it’s the victim’s loved ones who suffer.
According to the IRS, the identities of 2.5 million deceased Americans are stolen each year. Thieves take advantage of the fact that it can take months for official notice of a death to reach credit bureaus, the IRS and other interested parties. Plus, the dead won’t be checking their credit reports.
Although surviving family members aren’t responsible for fraudulent charges resulting from identity theft, it’s distressing to learn that someone has used a loved one’s identity to file false tax returns or health insurance claims, or to open credit accounts with no intention of repaying. Even worse, debt collectors might repeatedly call the deceased person’s home looking for someone they believe is alive, creating unimaginable distress for a grieving family.
» MORE: How to Dispute Fraudulent Credit Card Charges
How to prevent fraud
Making sure thieves don’t steal your loved one’s information comes down mostly to what you share and with whom. Some tips:
Keep information to a minimum in the obituary: Fraudsters generally find their deceased victims by searching for identifiable information in obituaries. For this reason, avoid including personal information such as your loved one’s birth date, home address and mother’s maiden name.
Contact their creditors: Ideally, your family member left behind paperwork with details about their creditors. If you need to close any accounts, request that the institution report the reason for the closure as “Account holder is deceased.”
Put a freeze on new credit: A decedent’s creditors and the Social Security Administration typically notify the credit bureaus, the IRS and state motor vehicles departments about the death, but this process can take months. Take it into your own hands to prevent thieves from taking advantage of your family member in the meantime. You can find contact information for each institution in the table below:
Institution | Preferred method of contact | Contact information | What is required? |
|---|---|---|---|
Creditors | Depends on the creditor | Search customer service information on the creditor's website | Depends on the creditor |
Experian | Mail or online | Experian | Copy of the death certificate |
TransUnion | TransUnion | Copy of the death certificate |
|
Equifax | Equifax | Copy of the death certificate |
|
Internal Revenue Service | Contact your local IRS office | Copy of the death certificate |
|
Social Security Administration | Phone | Call 1-800-772-1213 or contact your local SSA office | Copy of the death certificate |
Department of Motor Vehicles | Contact your local DMV office | Depends on your state |
Request a copy of the deceased’s report: After you’ve notified the credit bureaus and given them a few weeks to update the decedent’s report, request a copy and check for suspicious activity. Do the same a few months later.
The bottom line
Losing someone close to you is hard, and that pain can be exacerbated if that person becomes a posthumous identity theft victim. Proactively protecting your deceased loved one can give you peace of mind.
