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Government of Manitoba
Consumer Protection –
Consumer Protection Office

Tips for Reducing the Risk of Identity Theft

This tipsheet is intended to provide general information and is not a substitute for legal advice.

What is identity theft?

Identity theft occurs when someone uses your personal information without your knowledge or consent to commit a crime, such as fraud or theft. Identity theft (ID theft) is on the increase, and is one of the fastest growing crimes in the marketplace. These pages identify key ways to reduce your risk of becoming a victim of identity theft.

Identity thieves can get your personal information by:

  • Buying the information from a dishonest employee working where personal and/or financial information is stored.
  • Removing mail from your mailbox or fraudulently redirecting your mail.
  • Retrieving personal information in your garbage or recycling bin.
  • Stealing personal and private information from wallets, purses, mail, your home, vehicle, computer, and websites you've visited or e-mail you’ve sent.
  • Posing as a creditor, landlord or employer to get a copy of your credit report or access to your personal information from other confidential sources.
  • Tampering with automated banking machines (ABMs) and point of sale terminals, enabling thieves to read your debit or credit card number and personal identification number (PIN).
  • Searching public sources, such as newspapers (obituaries), phone books, and records open to the public (professional certifications).
  • Physically steal important documents.
  • Finding out your personal information in other ways, without your knowledge.

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Why should you be concerned about identity theft?

Identity thieves steal key pieces of personal information and use it to impersonate you and commit crimes in your name.  In addition to names, addresses and phone numbers, thieves look for social insurance numbers, drivers licence numbers, credit card and banking information, bank cards, calling cards, birth certificates and passports.

Once they steal the information, identity thieves can manipulate it and invade your personal and financial life. They can use stolen identities to go on spending sprees, open new bank accounts, divert mail, apply for loans, credit cards, and social benefits, rent apartments and even commit more serious crimes and, once arrested, they use their new identity.

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What are some of the signs your identity might have been stolen?

  • Bills and statements don't arrive when they are supposed to—they may have been stolen from the mailbox or someone has changed the mailing address.
  • You receive calls from collection agencies or creditors for an account you don't have or that you know is up to date. Someone may have opened a new account in your name or added charges to an account without your knowledge or permission.
  • Financial account statements show withdrawals or transfers you didn't make.
  • A creditor calls to say that you've been approved or denied credit that you haven't applied for. Or, you get credit card statements for accounts you don't have.
  • You apply for credit, and are turned down, for reasons that do not match your understanding of your financial position.

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Four key ways to reduce your risk

There are four important things that you can do to minimize your risk:

  1. Guard your personal information and documents.
  2. Keep your computer and its contents safe.
  3. Take precautions when going online.
  4. Be vigilant.

1. Guard your personal information and documents

  • If any of your key documents (such as your birth certificate, driver’s licence, passport, bank card or credit card) are lost or stolen, notify the issuer immediately.
  • Shred or destroy sensitive personal documents before tossing them into the garbage or recycling. This will defeat would-be identity thieves looking for transaction records, copies of credit applications, insurance forms, cheques, financial statements and old income tax returns.
  • Beware of mail, phone or Internet promotions that ask for personal information. Identity thieves may use phony offers to get you to give them your information.
  • Cut up expired and unused credit and debit cards. The card may have expired but the number may still be valid.
  • Lock your household mailbox if possible. If you are going to be away, arrange for a trusted neighbour to pick up your mail. You can also go online or go to your local post office (with identification) and ask for Canada Post’s hold mail service.  There will be a charge for this service.
  • If you use ABMs or point-of-sale terminals, always shield the entry of your PIN, and never give your access code (PIN) to anyone. Choose a PIN that can’t be figured out easily, as you could be liable if you use a PIN combination selected from your name, telephone number, date of birth, address or Social Insurance Number (SIN). Remember that no one from a financial institution or the police will ask you for your PIN.
  • Don’t leave personal information lying around at home, in your vehicle, or at the office.
  • Keep your birth certificate, passport and social insurance card in a safe place, such as a safety deposit box at your financial institution, when you're not actually using them. Other important papers, such as diplomas and degrees, marriage certificates, insurance policies, tax returns, wills, stocks, bonds and term deposits would also be safer in a safety deposit box, rather than in a file cabinet at home.
  • Find out how your employer makes sure your personal information is private. How do they store and dispose of it? Who can see it?
  • Don’t give personal information to anyone who phones or e-mails you unless you know who they are or can confirm that the person is from a legitimate company. Identity thieves may pose as representatives of financial institutions, Internet service providers and even government agencies to get you to reveal identifying information.
  • Don’t put more than your name and address on your personal cheques.
  • Carry only the documents and cards you will need that day. You rarely need to carry your birth certificate, SIN card or passport.
  • When you receive a renewal or replacement for a document or certificate that contains identity information (such as your driver’s licence or vehicle registration), make sure you return or destroy the old one.

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2. Keep your computer and its contents safe

Computer technology makes it easier for criminals to find personal and financial information. If you keep credit card numbers, account numbers, and tax information in your system or use e-mail to do financial business, take steps to make sure that this information is safe from hackers and thieves. The following measures can help protect against identity theft on-line.

  • Protect your computer, including laptops, with a startup password that is a combination of letters (upper and lower case), numbers and symbols. Don’t use an automatic login feature that saves your user name and password.
  • Use a personal firewall, especially if you use an "always connected/ always on" Internet connection, even if your computer is turned off. The firewall stops uninvited visitors from getting access to your information in the computer.
  • Disable file-sharing software to prevent unauthorized access to your computer and its data.
  • Install virus protection software and be sure to update it regularly. Viruses can damage your data and instruct your computer to send information to other systems without your knowledge.
  • Be careful what you open. E-mails from strangers could contain viruses or programs to hijack your Internet connection or damage your computer.
  • Don’t send personal or confidential information over e-mail. E-mail messages are not secure.
  • Even though you’ve deleted files from folders, remnants may still be on the computer’s hard drive, where they may be easily retrieved. Make sure personal information is really deleted before you sell, recycle or discard your computer. Use a secure hard drive overwrite utility to reduce the risk that others could recover your data.

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3. Take precautions when going online:

  • Before giving your credit card number or other financial information to a business, make sure that the merchant has a secure transaction system. Most Internet browsers indicate when you are using a secure Internet link. To check to see if a website is secure look for:
    • A website address that starts with https://, or
    • Look for the lock symbol (closed lock) or “https://” at the beginning of the web address.  If it shows (open lock) or http://, then the site is not secure.
  • Fake or "spoof" websites are designed to trick consumers and collect their personal information.  Be cautious when clicking on a link or an unknown website or unfamiliar e-mail. The link may take you to a fraudulent site.
  • After completing a financial transaction or on-line banking, make sure you sign out of the website and clear your internet file/caches (internet files are retained in your computer automatically and thus should be cleared so that hackers cannot obtain the information). Most financial institutions provide instructions on how to clear the caches under their "security" section.
  • Companies may also display a seal on their website to assure online customers that their business has the ability to maintain privacy and security for Internet transactions. Check to see which organization is awarding the seal and what requirements a merchant has to meet to display the seal.
  • Prior to submitting any personal information to a website, review the website privacy policy for an understanding of how your information may be used.
  • Use a credit card or prepaid card — not a debit card — to make online purchases.  Even consider setting aside one credit card with a low limit for Internet buying only.

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4. Be vigilant

Paying attention to details can make a difference.

  • Once a year, get a copy of your credit report from a major credit reporting agencies (credit bureaus). The report tells you what information the bureau has about your credit history, financial information, any judgments, collection activity and who has asked for your information.
    • You can call:
      • Equifax Canada at 1-800-465-7166,
      • Trans Union Canada at 1-866-525-0262, or
      • Northern Credit Office 1-613-260-5826
    • You may also visit their websites at:
    • By checking, you can spot debts that aren’t yours and see who has been asking about you. You need to follow up if a lender or credit card issuer has asked for a report and you don’t have an account with them and haven’t applied for credit or a card from them. Someone else may have been using your name.
    • If you discover incorrect information in your credit report, Manitoba's Personal Investigations Act gives you the right to have that information corrected.
  • Know when your credit card and financial statements and utility bills are due. If they don’t arrive when they are supposed to, call the company - an ID thief may have changed the billing address.
  • Pay attention to credit card expiry dates. If the replacement card hasn’t arrived call the company. Someone may have taken it from the mail or changed the mailing address.
  • Keep credit card, debit card and automatic banking machine (ABM) transaction records so you can match them to your statements.
  • Be wary of phone, mail or Internet promotions that want your personal information. Identity thieves may use phony offers to get you to give them your personal information.
  • Review your bank and credit card statements promptly and report any discrepancies to your financial institution right away. In Manitoba you are responsible for the first $50 charged when a credit card is lost or stolen or if a debt has been incurred through unauthorized use of your credit card information.
  • Keep a list of the names, account numbers and the expiration dates of your cards in a secure place. This will help you when alerting your credit grantors about a lost or stolen card.
  • A cardholder can be liable for losses associated with debit card transactions if they have contributed to the unauthorized use of the card. However, the loss will not exceed the established debit card transaction withdrawal limits. For more information, visit Office of Consumer Affairs – Debit Card Fraud
  • Memorize all passwords and personal identification numbers. If you must write them down, ensure that they are well disguised, for example, by re-arranging the numerals or substituting other numerals or symbols and by keeping it within a record of other information, such as a telephone list.
  • When you enter a PIN number or password is anyone watching?

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Keeping Your Key Documents Secure

Documents that contain important personal information, such as your driver’s license, birth certificate, Social Insurance Card, passport, or citizenship and immigration documents can be resources for identity thieves. Criminals can use these documents to obtain others and to gain access to more of your personal and financial information. Keep these documents safe to ensure that they don’t fall into the wrong hands. If one of these documents is lost or stolen, notify the issuing agency right away.

Driver’s Licence

A driver’s licence has become the most universally accepted and trusted picture identification card issued by government. While its purpose is to show that you have the privilege to drive, society generally accepts the driver’s licence as an identity document. Because it’s so well accepted, if your driver’s licence is stolen, scanned, faked or obtained fraudulently, it can serve as a crucial tool for committing crime.

Motor vehicle and driver’s licence issuing agencies across North America are working together to make it harder to forge drivers’ licences and to tighten the controls used when issuing licences.

Birth certificate

The birth certificate is the primary government document issued to anyone born in Canada. The birth certificate is required when applying for a passport or Social Insurance Card as well as for other provincial or federal programs.

Birth certificates, unlike many identity documents, don’t have an expiry date. You shouldn’t carry your birth certificate in your wallet or purse. Keep it in a secure place such as a safety deposit box.

Social Insurance Number

Social Insurance Numbers (SINs) are used in a wide variety of databases as a primary identifier. Computer-savvy criminals can collect information about you by searching databases.

Although certain government departments and programs are authorized to collect and use the SIN, there is no legislation that prohibits other organizations asking for it. You can challenge a request for your SIN. The Office of the Privacy Commissioner of Canada has a fact sheet with more details. (1-800-282-1376)

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You do not have to give your SIN to anyone who isn’t authorized to collect the information. Also, don’t carry your SIN in your wallet, purse or car. Keep it in a secure place like a safety deposit box.

Other Identification Documents

The federal government also provides the following identification documents. These should be kept secure. If they are lost or stolen, see Federal Government contacts for web sites and telephone numbers.

Permanent Resident Card

The Permanent Resident Card provides holders with secure proof of their permanent resident status when re-entering Canada.

Citizenship Card

The Citizenship Card is a wallet-sized document, covered in plastic, which certifies that you are a Canadian citizen. It also acts as identification and includes your photo, signature and personal details. It's an official document issued by the Government of Canada and is needed as proof of your citizenship when applying for jobs, a passport, etc


A Passport is the only proof of your citizenship and identity that is accepted in all countries. You must report the loss or theft as soon as it is noticed to the local police and your nearest passport office, or to the nearest Canadian diplomatic or consular mission if you are outside of Canada.

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What to do if it happens to you

If your government-issued documents are lost or stolen, it is important to report them right away to the issuing authority, so that they can be cancelled and you can apply to have new documents issued.

If you have been the victim of identity theft, additional information is available at Consumer Measures Committee – Identity Theft Working Group.

Start with the document titled "Identity Theft: What to do if it happens to you" and then complete the Identity Theft Statement to send to financial institutions, credit card issuers and others.

The Consumer Measures Committee (CMC), which has a representative from the federal government and every province and territory, provides a forum for national cooperation to improve the marketplace for Canadian consumers by harmonizing laws and providing information.

Federal Government

Key documents issued by the federal government include your Social Insurance Card, Passport, Citizenship and Immigration Documents and the Certificate of Indian Status.

For information on Government of Canada programs and services:

  • Call: 1-800-O-Canada (1-800-622-6232)
  • If you use a TTY call: 1-800-465-7735
  • Visit: Government of Canada

Privacy Commissioner of Canada

Social Insurance Card
Service Canada

Permanent Resident Card
Citizenship and Immigration Canada

Citizenship Certificate
Citizenship and Immigration Canada

Passport Office (Government of Canada)

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Manitoba Laws

The Personal Investigations Act

If you find information in your credit report or file that you disagree with, you have a right under The Personal Investigations Act to protest the information. If you believe an item in your credit report or file is incorrect, write to the credit reporting agency explaining why. The agency must then check the accuracy of the information and if it is incorrect, remove it from your record. If the agency corrects, adds or deletes information following your complaint, it must tell you and everyone who received your report within the past 60 days.   If you encounter a problem in having your information corrected, contact the Consumer Protection Office as shown below.

The Consumer Protection Act

If your credit card is lost or stolen, Manitoba's Consumer Protection Act (Section 35.8 subsection 1 - Liability for unauthorized use of lost or stolen card) says that you are only liable for the first $50 if your credit card has been lost or stolen or if a debt has been incurred through unauthorized use of your credit card information. You must notify the credit card issuer as soon as you know the card is missing or as soon as you identify transactions on your statement that you have not authorized.

Protect your credit card PIN. If the lost or stolen credit card is used at an automated banking machine that requires a PIN number to work, you may be liable for losses.

For more information, contact the Consumer Protection Office:

Consumer Protection Office
Tourism, Culture, Heritage, Sport and Consumer Protection

  • Contact the Consumer Protection Office for additional information about identity theft or assistance in resolving complaints about your credit report or liability on a lost or stolen credit card.
  • Telephone: 204-945-3800
  • Toll-free in Manitoba: 1-800-782-0067
  • E-mail: consumers@gov.mb.ca

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Other Manitoba Contacts

Lost birth certificate
Vital Statistics Agency

Lost driver's licence
Manitoba Public Insurance

  • To replace a lost, stolen or destroyed driver's licence, you need to contact a driver licencing service outlet near you.
  • Telephone: 1-204-985-1100
  • Toll-free in Manitoba: 1-866-323-0544
  • Website: Manitoba Public Insurance

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Other Resources

Federal Government Link Formerly “Project Phonebusters”, the CAFC is Canada’s central repository for data, intelligence and resource material as it relates to fraud

Offers information on a wide range of topics such as online shopping, contracts, housing and home renovations, identity theft, collection agencies, and much more, to help you build your buying skills

Offers free, expert advice to Canadians who have become victims of identity theft.

If your personal information has been used by someone to access your bank account, credit card or other account without your authorization, to obtain loans or other benefits in your name, or to evade authorities.

Federal Government Link Helps protect the Canadian public by researching, assessing and collaborating in the management of the health risks and safety hazards associated with the many consumer products, including pest management products, that Canadians use everyday

Federal Government Link Helps consumers find authoritative information on consumer issues.

The information available on ConsumerInformation.ca is provided by federal, provincial and territorial governments, and non-government sources.

A handy information tool which helps you complain more effectively and directs you to the right complaint handling body when dealing with businesses, service providers, and retailers

Use the Complaint Roadmap’s step-by-step approach to help you present your product or service complaint to a business.

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Federal Government Link An independent law enforcement agency, intended to ensure that Canadian businesses and consumers prosper in a competitive and innovative marketplace

The intent of this book is to increase your awareness of the vast array of scams that target Canadians and to share with you some easy steps you can take to protect yourself

Federal Government Link The RCMP is the Canadian national police service

Find additional information on:

  • Identity Theft and Identity Fraud
  • Payment Card Fraud
  • Mail Fraud / Phishing
  • Mass Marketing
  • Internet-related Fraud
  • Investment and Securities Fraud
  • Counterfeit

Who should I call when the business is located in another province or under federal jurisdiction?

Better Business Bureaus across Canada

Non-government consumer groups across Canada

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