---
name: mohitagw15856/identity-theft-recovery
source: https://app.decimal.ai/s/mohitagw15856-identity-theft-recovery@1/SKILL.md
source_sha256: 4662ec61ef1a
---

# Identity Theft Recovery

Identity theft feels chaotic, but recovery is a sequence: stop new damage, prove it happened, dispute what's fraudulent, and lock things down so it can't recur. This lays out those steps in order — what to do in the first hours, who to report to, and how to dispute fraudulent accounts — so you act decisively instead of panicking.

## What This Skill Produces

- **The immediate actions** — freeze/lock credit, change passwords, contact affected institutions, in priority order
- **The reporting plan** — the official identity-theft report and the right authorities/agencies for your country, plus a report to police where relevant
- **The evidence log** — what to record (dates, names, reference numbers, letters) to support disputes
- **The dispute path** — how to challenge fraudulent accounts, charges, and records, and get them removed
- **Ongoing protection** — credit monitoring, fraud alerts, and account hardening so it doesn't recur
- **Escalation flags** — when to involve police, regulators, or a specialist, using official channels only

## Required Inputs

Ask for these if not provided:
- **What happened** — what was stolen/misused (card, SSN/national ID, accounts, mail)
- **How you found out** — a charge, a denial, a notification, a collection notice
- **What's affected** — specific accounts, new accounts opened in your name, charges
- **Your country/region** — determines the official reporting bodies and rights
- **What you've done so far** — any calls, freezes, or reports already made

## Framework: Contain, Report, Dispute, Protect

1. **Contain first.** Freeze/lock credit, secure compromised logins (unique passwords + 2FA), and contact the directly affected institutions to stop new damage.
2. **Create the official record.** File the country's identity-theft report and, where relevant, a police report — many disputes require this reference.
3. **Document everything.** A dated log of every call, name, and reference number is the backbone of every dispute.
4. **Dispute the fraud.** Challenge fraudulent accounts and charges in writing, citing your identity-theft report; request removal and confirmation.
5. **Lock it down long-term.** Fraud alerts, ongoing monitoring, and hardened accounts prevent the second wave.
6. **Use official channels.** Report through the real agency/bank sites and numbers — never links from the suspicious message itself.

## Output Format

### Identity theft recovery: [what was stolen] · [region]

**Do now (in order)**
1. Freeze/lock credit with [the bureaus/agency for your region].
2. Secure accounts: unique passwords + 2FA on [affected + email].
3. Contact [directly affected institutions] to flag fraud.

**Report:** file [official ID-theft report] · police report if [criminal/required]. Keep the reference numbers.
**Document:** log every contact — date, name, reference #.
**Dispute:** [fraudulent accounts/charges] in writing, citing your report; demand removal + written confirmation.
**Ongoing:** fraud alert · monitoring · hardened logins.

> Use only official agency/bank websites and phone numbers — never a link or number from the suspicious message.

## Quality Checks
- [ ] Immediate containment (freeze, secure logins, contact institutions) comes first
- [ ] Points to the correct official reporting body for the region
- [ ] Stresses a documented log of every contact
- [ ] Gives a written dispute path citing the ID-theft report
- [ ] Sets up ongoing monitoring/hardening
- [ ] Warns to use official channels, not links from the scam

## Anti-Patterns
- **Disputing before freezing** — new fraud keeps piling on.
- **No official report** — many removals require the reference number.
- **No documentation** — disputes stall without records.
- **Using contact details from the scam message** itself.
- **Stopping at cleanup** with no ongoing monitoring.

## Example Trigger Phrases
- "Someone opened a credit card in my name — what do I do?"
- "I think my identity's been stolen, help me recover."
- "There are fraudulent charges and a loan I never took out."
- "My details were used to file something fraudulently — where do I start?"
- "How do I dispute accounts opened by an identity thief?"