Kentucky · What to do when…
Someone used your identity
Use the FTC’s recovery route for accounts or debts you did not open. Keep a record of each correction.
List what you do not recognize
Gather bills, bank notices and account details that look wrong. Write down when you first saw the problem. Use your own records; do not send passwords to anyone offering help.
Report through the FTC
Type IdentityTheft.gov into your browser. Choose Report Identity Theft and describe what happened. The FTC uses your answers to make a personal recovery plan.
Save your report and plan
Keep a copy in a safe place. Read the plan’s tasks for the kind of theft you reported. Work through one account at a time.
Contact the affected business
Follow the recovery steps for that account. Use the business’s official contact route. Say the account or charge was not yours. Ask what it needs to correct the record.
Keep a correction log
Record who you contacted, when and what they said. Keep letters and proof you sent them. Use the FTC plan to track issues that remain open.
If this does not work
Return to the FTC recovery steps for the type of account involved. Its main identity theft article lists a phone reporting route if you cannot use the website.
Confirm before you go
Check that you are on the official FTC site. Before a business visit, confirm its fraud desk, required papers and safe way to share your report.
The agency decides who can get help. Funds, appointments, and space may change. Keep private records with you; this page does not ask for them.
Sources and check dates
| Source | Exact excerpt | Checked |
|---|---|---|
| Federal Trade Commission: What To Know About Identity Theft | “You’ll get a free personal recovery plan with next steps.” | 2026-10-08 |
| National 911 Program: Calling 911 | “An emergency is any situation that requires immediate assistance from the police, fire department or ambulance.” | 2026-10-07 |
| 988 Suicide & Crisis Lifeline: 988 Lifeline | “Call, text, or chat with a 988 Lifeline counselor for help during difficult moments anytime, day or night.” | 2026-10-07 |