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Freezing your files protects you not just from someone fraudulently opening a credit card or applying for a loan in your name. It also can prevent someone from accessing your tax records with the Internal Revenue Service (IRS) or opening a Social Security account using your information or potentially launching a slew of other problems. Illegal robocalls and unwanted telemarketing calls can be annoying. If you want these calls to stop, you can take steps that could lead to consequences for offenders, including possible fines. Fraud from unwanted calls totals about $10 billion a year. In addition, illegal robocalls cost $3 billion a year in wasted time. Here's how to do your part to stop them. Fraud/ identity theft is the No. 1 complaint to the Federal Trade Commission, with 2.2 million complaints last year. Consumers reported losing $3.3 billion last year, up from $1.8 billion in 2019.
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