Identity Theft Response Kit

Your Complete Recovery Toolkit

📋 Table of Contents

1. Emergency Action Checklist
2. Dispute Letter Templates
3. Documentation Tracking Sheets
4. Emergency Contact Cards
5. Account Inventory Worksheet
6. Recovery Timeline Tracker

🚨 Emergency Action Checklist

FIRST 24 HOURS - CRITICAL ACTIONS

Print this page and check off each item as you complete it.

Immediate Documentation

• [ ] Take screenshots of all suspicious activity
• [ ] Print or save suspicious emails/texts
• [ ] Note dates, times, and details of discovery
• [ ] Photograph fraudulent charges or accounts
• [ ] Start a detailed timeline (use tracker on page 6)

Credit Protection

• [ ] Place fraud alert with ONE credit bureau (they notify others)
  • [ ] Called: _____________ Date: _______ Time: _______
  • [ ] Confirmation #: _________________________
• [ ] Freeze credit with ALL THREE bureaus:
  • [ ] Equifax - Date: _______ PIN: _____________
  • [ ] Experian - Date: _______ PIN: _____________
  • [ ] TransUnion - Date: _______ PIN: _____________
  • [ ] Innovis (optional) - Date: _______ PIN: _____________

Official Reports

• [ ] File report at IdentityTheft.gov
  • [ ] Report ID: _________________________
  • [ ] Recovery plan printed: Yes / No
• [ ] File police report (if applicable)
  • [ ] Police department: _________________________
  • [ ] Report #: _________________________
  • [ ] Officer name: _________________________
  • [ ] Date filed: _________________________

Account Security

• [ ] Change password for primary email account
• [ ] Change passwords for financial accounts (list below)
  • [ ] Bank 1: _________________________
  • [ ] Bank 2: _________________________
  • [ ] Credit Card 1: _________________________
  • [ ] Credit Card 2: _________________________
  • [ ] Investment accounts: _________________________
• [ ] Enable 2FA on all critical accounts

Contact Financial Institutions

• [ ] Bank #1: _____________ Called: _______ Rep: _____________
• [ ] Bank #2: _____________ Called: _______ Rep: _____________
• [ ] Credit Card #1: _____________ Called: _______ Rep: _____________
• [ ] Credit Card #2: _____________ Called: _______ Rep: _____________
• [ ] Credit Card #3: _____________ Called: _______ Rep: _____________

FIRST WEEK - REPORTING & PROTECTION

Contact Affected Companies

• [ ] Company 1: _____________ Date: _______ Status: _____________
• [ ] Company 2: _____________ Date: _______ Status: _____________
• [ ] Company 3: _____________ Date: _______ Status: _____________
• [ ] Company 4: _____________ Date: _______ Status: _____________

Send Dispute Letters

• [ ] Letter to creditor 1 (sent date: _______)
• [ ] Letter to creditor 2 (sent date: _______)
• [ ] Letter to creditor 3 (sent date: _______)
• [ ] Letter to credit bureau (sent date: _______)

Specialized Reporting (check if applicable)

• [ ] IRS (Form 14039) - Tax identity theft
• [ ] Social Security Administration - SSN fraud
• [ ] State unemployment office - Unemployment fraud
• [ ] Health insurance company - Medical identity theft
• [ ] DMV - Driver's license fraud
• [ ] Passport office - Passport fraud

FIRST MONTH - MONITORING & FOLLOW-UP

Credit Monitoring

• [ ] Ordered credit report from Equifax
• [ ] Ordered credit report from Experian
• [ ] Ordered credit report from TransUnion
• [ ] Reviewed all reports for fraudulent accounts
• [ ] Set up credit monitoring alerts

Account Monitoring

• [ ] Enabled transaction alerts on all accounts
• [ ] Reviewed all account statements
• [ ] Checked for unauthorized changes to contact info
• [ ] Verified no new authorized users added

Follow-Up Communications

• [ ] Followed up on dispute letter 1
• [ ] Followed up on dispute letter 2
• [ ] Followed up on dispute letter 3
• [ ] Requested written confirmations

ONGOING - LONG-TERM RECOVERY

Monthly Tasks

• [ ] Month 1: Check credit reports
• [ ] Month 2: Check credit reports
• [ ] Month 3: Check credit reports
• [ ] Month 4: Check credit reports
• [ ] Month 5: Check credit reports
• [ ] Month 6: Check credit reports

Quarterly Tasks

• [ ] Q1: Review all financial statements
• [ ] Q2: Review all financial statements
• [ ] Q3: Review all financial statements
• [ ] Q4: Review all financial statements

Annual Tasks

• [ ] Check Social Security earnings statement
• [ ] Review medical records
• [ ] Update passwords on all accounts
• [ ] Review and update security practices

📝 Dispute Letter Templates

TEMPLATE 1: Credit Bureau Dispute Letter

Use this letter to dispute fraudulent accounts appearing on your credit report.