What action can consumers take if they suspect their information is being misused?

Filing a complaint with the Federal Trade Commission (FTC) is a proactive step consumers can take if they suspect their information is being misused. The FTC plays a crucial role in protecting consumers from identity theft and fraud. When a consumer files a complaint, the FTC can help by investigating the issue, providing resources for identity theft victims, and even allowing consumers to create an Identity Theft Report. This report can be vital in resolving issues related to identity theft or fraudulent activity and can assist consumers in disputing charges or unauthorized accounts.

While reviewing a credit history can be important for monitoring one’s financial status, simply requesting a frequent credit history review does not actively address suspected misuse. Ignoring the signs of misuse can lead to further financial harm. Changing a Social Security number is a drastic measure and typically not necessary unless directed by authorities due to significant identity theft, which can create even more complications. Thus, filing a complaint with the FTC offers a structured approach to address potential identity theft concerns.