Identity theft can be a scary and frustrating experience. If you suspect your personal information has been compromised in Wisconsin, here's a guide to help you navigate the recovery process and protect yourself from further harm.

Recognizing the Signs

Early detection is crucial. Here are some red flags to watch out for:

• Unfamiliar Accounts: Do you see new accounts or credit inquiries on your credit report that you didn't authorize?
• Declined Transactions: Are your credit cards or debit cards being declined for purchases you didn't make?
• Suspicious Mail: Do you receive bills or other correspondence addressed to someone you don't know who lives at your address?

Taking Action:

If you suspect identity theft, here's what to do:

• Place a Fraud Alert or Freeze: Contact each of the three major credit bureaus (Equifax, Experian, TransUnion) and request a fraud alert or security freeze. A freeze prevents new credit from being opened in your name, while an alert warns creditors to verify your identity before approving new lines of credit. Wisconsin law allows a free security freeze or fraud alert if you've been a victim of identity theft. 
• File a Police Report: Report the identity theft to your local police department. This report will be crucial for obtaining a copy of the police report, which you'll need for other steps.
• Contact the Financial Institutions Involved: Notify any banks, credit card companies, or other financial institutions where you suspect fraudulent activity. Close any compromised accounts and request new account numbers.
• File a Complaint with the Wisconsin Department of Agriculture, Trade and Consumer Protection (DATCP): The DATCP can provide resources and help you file a formal complaint. 
• Review Your Credit Reports Regularly: You can obtain a free copy of your credit report from each bureau annually at Annual Credit Report. Monitor your reports for any new suspicious activity.

Protecting Yourself:

• Shred Sensitive Documents: Always shred documents containing personal information before throwing them away.
• Be Cautious Online: Avoid sharing sensitive information on public Wi-Fi networks and be wary of phishing scams.
• Use Strong Passwords: Create strong and unique passwords for all your online accounts. Consider using a password manager to keep track of them securely.

Remember:

• Identity theft can be a complex issue. Don't hesitate to seek help from a credit counselor or identity theft restoration service if needed.
• Reporting the crime and taking action quickly can minimize the damage and help you regain control of your financial situation.

By following these steps and staying vigilant, you can deal with identity theft effectively and protect yourself from future threats.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online.