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Identity Theft Alert: Fraudulent Unemployment Insurance Claims

States across the country are reporting a widespread fraud campaign in which victims’ identities are being used to file false unemployment claims. Victims, who have not filed unemployment claims, have received notification from their employer’s Human Resources department, or the State Employment Securities Department, indicating an unemployment claim has been filed on their behalf. Cyber-crime investigators have recommended the following steps for anyone who knows, or believes, they are a victim of unemployment fraud.

Steps to Protect Your Financial Identity & Credit History

  • Step One – Contact Human Resources
    • Contact your organization’s HR staff to coordinate and report the incident to your employer.
  • Step Two – Contact Your State’s ESD
    • Call the State Employment Security Department (ESD) to report the fraud Oregon: 877-668-3204; Washington: 800-246-9763
    • You will need the following information for identity verification:
      • Last 4 of your SSN
      • Date of birth, address
      • Current phone number
      • Information on how you learned a claim was filed on your behalf
  • Step Three – Police Report
    • File an online or non-emergency report with the agency whose jurisdiction you live in.
    • Start keeping a file folder or journal with the information from this incident, including any case numbers. Some government services and accommodations are available to victims of identity theft that are not available to the general public, such as getting certain public records sealed.
  • Step Four – The Three Major Credit Bureaus
    • Obtain your free credit reports from Equifax, Experian, and TransUnion at www.annualcreditreport.com or call 1-877-322-8228
    • Report to the credit bureaus that the fraudulent claim was made using your identity and provide them with the case number from your police report. You can have a fraud alert put on your identity or freeze your credit. Doing either is free by law.
      • A fraud alert is free and will make it harder for someone to open new accounts in your name. To place a fraud alert, contact one of the three credit bureaus. That company must tell the other two.
      • Experian: 1-888-397-3742
      • TransUnion: 1-800-680-7289
      • Equifax: 1-888-766-0008
    • Check your credit activity at least once a year. As a victim of identity-theft you have the right to check it monthly if you choose.
    • Credit Freeze – If you do not have upcoming large purchases, such as a home, you may want to freeze your credit for more protection. It is free and you can do it yourself. More information about freezing your credit can be found here.
  • Step Five – FTC & IRS
    • File a short report with the FTC and give them the case number for your local police report. The FTC offers more information here.
    • Consider setting up an IRS account. If you create an account with your social security number, it will prevent criminals from creating an account using your identity.
    • Another option is to lock your social security number, which can be done here. (The next wave of this cyber-attack may be IRS tax fraud.)
    • All of this reporting seems redundant, but we want to make sure you are recognized as a victim by the local, state, and federal government. Also, the more people who report it, the more support law enforcement agents will receive to pursue the perpetrators.
  • Step Six – Keep Your Notes
    • Hang on to any notes, copies of emails, etc regarding the issue. This is the paper trail that you can reference if you face any identity issues or locate inaccuracies on your credit history sometime in the future.

Protecting Your Data and Identity

You are done dealing with the fallout from this unemployment fraud incident, but may choose to further protect yourself from cyber-crime. Below are some steps and resources that the cyber-crime detectives recommend for anyone wanting additional protections for themselves and their families.

  • Control Your Own Information

Source: Northwest Credit Union Association

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