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Protecting a Loved One’s Legacy: How to Reduce the Risk of Identity Theft After They Pass

Afterlife identity theft is a rising trend where thieves use obituaries to steal personal information from the recently departed. Protect your loved one’s legacy by acting quickly—notify government agencies, financial institutions, and credit bureaus about their passing. Taking these steps can help prevent fraud and safeguard their memory.

12/6/20241 min read

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While the recent Target data breach dominates the headlines, another insidious type of identity theft flies under the radar: afterlife identity theft. This growing trend sees criminals using obituaries to gather personal information about the deceased. If a loved one has passed away, quick action can prevent their identity from being exploited.

Here’s a breakdown of how you can protect your loved one’s legacy:

Understand the Risk

Afterlife identity theft occurs when thieves use public information, such as obituaries or online announcements, to steal personal data. They may open credit cards, file fraudulent tax returns, or even apply for loans under the deceased’s name.

Take Immediate Steps

The National Funeral Directors Association (NFDA) highlights a comprehensive list of institutions to notify:

Government Agencies: Social Security Administration, Veteran’s Administration, and others.
Financial Institutions: Banks, credit unions, credit card companies, and stockbrokers.
Credit Reporting Bureaus: Equifax, Experian, and TransUnion – freeze the credit report to prevent unauthorized access.
Insurers: Life, health, and disability insurers.

Make initial contact by phone and follow up in writing with a certified death certificate, the Social Security number of the deceased, and proof of your role as estate representative.

Obituary Caution

When writing an obituary, avoid including sensitive details such as full birth dates, addresses, or mother’s maiden name. This information can make it easier for thieves to commit fraud.

Use Available Resources

Many funeral homes offer notification services, which can streamline the process of contacting institutions. Be sure to ask if this service is available to you.

Keep an Eye Out

Even after taking these steps, monitor any remaining accounts for suspicious activity. Close memberships, cancel subscriptions, and secure personal documents to avoid leaving loose ends.

Identity theft can be devastating, even after death, but by acting quickly and staying vigilant, you can honor your loved one by ensuring their legacy remains untarnished. Protect their identity—it’s part of protecting their memory.