These are the real federal tools for reporting and recovering from identity theft — free, official, and run directly by the government agencies responsible. No sign-up through us required; each link goes straight to the source.
The FTC's official recovery tool. Report what happened and get a free, personalized step-by-step recovery plan, plus pre-filled letters and forms.
Go to IdentityTheft.govTax identity theft is one of the most common forms — here's how to protect and recover.
A free 6-digit PIN that stops someone else from filing a tax return using your Social Security number.
Get an IP PINFile this if you believe you're a victim of tax-related identity theft.
Get Form 14039The IRS's full guide to recognizing, reporting, and recovering from tax-related identity theft.
Learn MoreSSA's guidance on what to do if your SSN was stolen or misused — report identity theft through IdentityTheft.gov first, then SSA if benefits are affected.
SSA Identity Theft GuidanceIf someone used your identity to fraudulently claim Social Security benefits, report it to SSA's Office of Inspector General.
Report to SSA OIGFreezing your credit with all three bureaus is free and stops new accounts from being opened in your name.
How to Freeze Your CreditFile a free complaint about a bank, lender, or credit reporting company. The Consumer Financial Protection Bureau follows up with the company on your behalf.
File a CFPB ComplaintReport fraud, scams, and bad business practices directly to the FTC, in addition to IdentityTheft.gov.
ReportFraud.ftc.govYou're entitled to a free credit report from each bureau every week — check for accounts you don't recognize.
AnnualCreditReport.comThese are often how identity theft starts — reporting them helps regulators shut scammers down.
Report unwanted robocalls, robotexts, and phone scams directly to the FCC.
Report to the FCCFree to register your phone number and reduce telemarketing calls.
DoNotCall.govForward suspicious emails to the Anti-Phishing Working Group to help track and shut down scams.
Report PhishingEvery tool above is run directly by the listed federal agency — Illuminating Light does not collect, store, or process any personal or financial information through this page. This page is general information, not legal or financial advice.
