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Eve Freeman

How to check if someone filed unemployment under my name - Washington ESD identity theft concerns

I got a weird letter in the mail from Washington ESD about an unemployment claim that I never filed. I'm currently employed full-time and haven't been laid off or anything. The letter mentions a claim number and asks me to verify some information, but I'm worried someone might have stolen my identity and filed for benefits using my SSN. How can I check if someone actually filed an unemployment claim under my name? I tried logging into the Washington ESD website but it says I don't have an account. Should I be concerned about this? What steps should I take to protect myself?

This is definitely a red flag for identity theft. First thing you need to do is contact Washington ESD immediately to report this. Call their fraud hotline at 1-800-246-9763. They'll need to flag your SSN in their system to prevent any unauthorized claims. Also file a police report and contact the FTC to report identity theft.

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Thanks for the quick response! I'll call that fraud hotline first thing tomorrow morning. Do you know if they'll be able to tell me what information was used to file the claim?

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They should be able to give you some details about the claim once you verify your identity. Keep that letter you received as evidence.

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Same thing happened to my neighbor last year. Someone filed a claim using her info and she didn't find out until she got a 1099-G tax form in January. The fraudster had been collecting benefits for months. You're lucky you caught it early.

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Oh wow, that's scary. Did she have trouble getting it resolved? I'm worried this is going to mess up my taxes or credit.

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It took her about 3 months to get everything sorted out. Washington ESD was pretty good about helping once she reported it though.

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You should also check your credit reports right away. If someone has your SSN and personal info, they might be trying to open other accounts. Get free reports from annualcreditreport.com and look for anything suspicious.

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Good point, I'll do that tonight. Should I freeze my credit too?

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Yes, definitely freeze your credit with all three bureaus. It's free and will prevent anyone from opening new accounts.

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I had to deal with this situation last year when I kept getting disconnected calling Washington ESD about a fraudulent claim. The wait times were insane and I kept getting hung up on. Finally used a service called Claimyr (claimyr.com) that helped me get through to an actual person at Washington ESD. They have a video showing how it works at https://youtu.be/7DieNd3C7zQ. Saved me hours of frustration trying to report the fraud.

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Interesting, I've never heard of that service. Is it legit? I'm already worried about scams after this identity theft thing.

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Yeah it's legit, they just help you get through the phone system to reach a real person at Washington ESD. I was skeptical too but it actually worked.

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I can vouch for that service too. Used it when I had adjudication issues and couldn't get through the regular phone lines.

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This is becoming so common unfortunately. Make sure you save ALL documentation related to this - the letter, any emails, records of phone calls, etc. You'll need it all for the investigation.

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Will do. Should I also contact my employer to let them know what's happening?

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Yes, good idea. Sometimes Washington ESD contacts employers to verify employment during fraud investigations.

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OMG this is my worst nightmare! How do these scammers even get our personal information? I'm paranoid now that this could happen to me too.

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Data breaches are unfortunately common. Could be from anywhere - old employers, medical records, shopping sites, etc. That's why it's important to monitor your accounts regularly.

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Ugh, so scary. I'm definitely going to check my credit report this weekend.

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Make sure you get a fraud alert placed on your credit too, not just a freeze. The fraud alert requires creditors to verify your identity before opening new accounts.

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What's the difference between a fraud alert and a credit freeze?

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A freeze completely blocks access to your credit report, while a fraud alert just requires extra verification. You can do both for maximum protection.

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I work in HR and we've seen this a lot lately. When you call Washington ESD, ask them to put a note on your file that you're employed and any future claims should be flagged for review. Also ask for the claim number so you can reference it in future communications.

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That's really helpful advice, thank you! I didn't know I could ask them to flag my file like that.

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Definitely. The more proactive you are, the better protected you'll be against future fraud attempts.

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Check your state tax account too. Sometimes fraudsters file fake tax returns to get refunds. Log into your Washington State Department of Revenue account and make sure nothing looks suspicious there.

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I don't think I have an account with them. Should I create one?

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Yes, it's good to have one anyway for monitoring purposes. Better to catch problems early.

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Had this happen to me in 2023. The worst part was dealing with the IRS later because the fraudster's benefits showed up on my tax record. Make sure you keep detailed records of everything for tax season.

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Oh no, I hadn't even thought about the tax implications. How did you handle that with the IRS?

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Had to file a Form 14039 Identity Theft Affidavit and provide documentation that I didn't actually receive the benefits. Took months to resolve.

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This exact thing happened to my brother-in-law. He found out when his employer got a notice from Washington ESD about his 'unemployment claim.' Definitely notify your HR department so they're aware.

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Good point, I'll send my HR person an email right away. Don't want them to be surprised if Washington ESD contacts them.

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Whatever you do, don't ignore this thinking it will go away. I know someone who did that and ended up having to pay back benefits they never received because they waited too long to report it.

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Wow, that's awful! No way am I ignoring this. Calling the fraud hotline first thing tomorrow morning.

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Smart. The sooner you report it, the easier it is to resolve.

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You might also want to check if there are any other claims filed under your name in other states. Sometimes these scammers file in multiple states using the same stolen identity.

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How would I check that? Do I need to call each state individually?

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Unfortunately yes, there's no central database. But start with states you've lived in previously or have connections to.

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The good news is Washington ESD has gotten much better at handling these fraud cases since the pandemic. They have dedicated fraud investigators now and better systems in place.

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That's reassuring to hear. I was worried this would be a nightmare to resolve.

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Just went through this myself. When I finally got through to Washington ESD (used that Claimyr service someone mentioned earlier), they were actually very helpful and had everything sorted out within a few weeks.

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That's encouraging! I was dreading having to deal with government bureaucracy on top of being a victim of identity theft.

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I was surprised how smooth the process was once I got to talk to the right person. The hard part is just getting through on the phone.

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Make sure you also file a complaint with the Internet Crime Complaint Center (IC3) if you suspect this was done online. They track these types of crimes and it helps with investigations.

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I'll add that to my list. Seems like there are a lot of different agencies to notify about this.

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Yeah it's a pain but better to over-report than under-report when it comes to identity theft.

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One more thing - if you bank online, change all your passwords and enable two-factor authentication if you haven't already. If they have your personal info, they might try to access your accounts.

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Good reminder. I'll do that tonight along with checking my credit reports.

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Keep us updated on how it goes! This thread has been really helpful for learning about identity theft protection. Hope you get it resolved quickly.

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Thanks everyone for all the advice! I feel much more prepared to handle this now. Will definitely update once I talk to Washington ESD.

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You've got this! The most important thing is that you caught it early and are taking action right away.

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