Taxpayer Guide to Identity Theft*
The IRS has recently stated that they are taking additional steps to fight against tax-related identity theft. TEFCU would like to its members to know more about tax-related identity theft and what steps to be taken if you become a victim of tax-related identity theft.
What is tax-related identity theft?
Tax-related identity theft occurs when someone uses your stolen Social Security Number (SSN) to file a tax return claiming a fraudulent refund.
You may be unaware that this has happened until you efile your return and discover that a return already has been filed using your SSN. Or, the IRS may send you a letter stating they have identified a suspicious return using your SSN.
Know the Warning Signs
Be alert to possible tax-related identity theft if you are contacted by the IRS or your tax professional/provider about:
- More than one tax return was filed using your SSN.
- You owe additional tax, refund offset, or have had collection actions taken against you for a year you did not file a tax return.
- IRS records indicate you received wages or other income from an employer for whom you did not work.
If you suspect that you are a victim of identity theft, continue to pay your taxes and file your tax return, even if you must do so by paper.
Steps to take if you Become a Victim
If you are a victim of identity theft, the Federal Trade Commission recommends the following steps:
- File a complaint with the FTC at identitytheft.gov.
- Contact one of the three major credit bureaus to place a ‘fraud alert’ on your credit records:
- Contact TEFCU and any other financial intitutions where you have an account, and close any financial or credit accounts opened without your permission or tampered with by identity thieves.
If your SSN is compromised and you know or suspect you are a victim of tax-related identity theft, the IRS recommends these additional steps:
- Respond immediately to any IRS notice; call the number provided.
- Complete IRS Form 14039 and Identity Theft Affidavit, if your efiled return rejects because of a duplicate filing under your SSN or you are instructed to do so. Use a fillable form at IRS.gov, print, then attach the form to your return and mail according to instructions.
If you previously contacted the IRS and did not have a resolution, contact IRS for specialized assistance at 1-800-908-4490.
About Data Breaches and your Taxes
Ensure all the data breaches or computer hacks des not result in tax-related identity theft. It’s important to know what type of personal information was stolen.
Data breach victims should submit an IRS Form 14039 and Identity Theft Affidavit, only if your Social Security number has been compromised and your efile return was rejected as a duplicate or IRS has informed you that you may be a victim of tax-related identity theft.
How to Reduce your Risk
How to protect your data:
- Always use security software with firewall and anti-virus protections. Use strong passwords.
- Learn to recognize and avoid phishing emails, threatening calls and texts from thieves posing as legitimate organizations such as your bank, credit card companies, and even the IRS.
- Do not click on links or download attachments from unknown or suspicious emails.
- Protect your personal data. Don’t routinely carry your Social Security card, and make sure your tax records are secure.
The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels.
Report suspicious online or emailed phishing scams to:firstname.lastname@example.org. For phishing scams by phone, fax or mail, call 1-800-366-4484. Report IRS impersonation scams to the Treasury Inspector General for Tax Administration’s IRS Impersonation Scams Reporting.
* This information is provided as a public service to our members and TEFCU has no affiliation with any of the listed organizations.