Crime Watch

Crime Watch: FBI advice on identity theft


Special to The Miami Herald

In the last couple of weeks I have had emails with concerns with tax season coming up and readers concerned with identity theft. So today we have great information from our FBI partners on how to avoid being a victim and what to do.

FBI Supervisory Special Agent Jay Bernardo and his squad investigate identity theft in South Florida. Here’s the information they shared:

Identity theft is the fastest growing crime in America. On average, an identity is stolen every 3 seconds, or 27,000 per day. In 2012, over 12 million Americans were victims. The Federal Trade Commission says Florida leads the nation in identity theft complaints with 361.3 per 100,000 residents and South Florida’s rate is an even higher 645.4.

The best defense against identity theft is to limit access to your Personally Identifiable Information, or PII.

PII is information which can be used to distinguish or trace an individual’s identity, such as name, social security number, or biometric records, alone or when combined with information. If you believe you are a victim of identity theft, swift action is crucial and may prevent further damage to you or your credit history. On average, once your identity is stolen, it will be used approximately 30 times.

Preventing identity theft

To reduce the chance of becoming a victim of identity theft, do the following:

• Only give your social security number to those who absolutely require it.

• Do not carry your social security card with you.

• Shred any documents containing your PII.

If you’re a victim

If you believe you are a victim of identity theft:

• Immediately file a free initial fraud alert with the three major credit reporting companies: Experian: 1-888-397-3742; Equifax: 1-800-525-6285; Trans-Union: 1-800-680-7289. This alert gives you access to a free credit report and makes it more difficult for identity thieves to open new accounts in your name.

This alert lasts 90 days, so you may need to renew the alert based on your circumstances.

• Consider requesting a credit freeze. This usually costs about $10, but helps prevent creditors from gaining access to your credit report. Without a credit report, most banks and credit card companies will not issue new accounts or cards. If you are purchasing a new home or vehicle, you will need to request the freeze be lifted in order to complete your transaction.

• Next, notify the fraud department for all of your bank and credit card companies of the possible theft and request new account and card numbers.

• File a report with the FTC at Provide a copy of the completed report to your local police department. Under Florida law, you may file a police report where the theft occurred or within the city, county or state in which you reside. The police report together with the FTC report will assist you in the event fraudulent accounts or debts are created.

• Finally, if you file your federal income taxes online and do not receive notification your filing was accepted, you may be a victim of income tax fraud. Contact the IRS Identity Protection Specialized Unit at 1-800-908-4490 or to report your issue and request an IRS ID Theft Affidavit Form 14039.

Carmen Caldwell is executive director of Citizens’ Crime Watch of Miami-Dade. Send feedback and news for this column to, or call her at 305-470-1670.

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