Fraud and identity-theft mitigation steps after death – RMS Estates Law

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Fraud and identity-theft mitigation steps after death

Raluca M. Soica
January 14, 2026

Where there is concern about fraudulent use of the deceased’s credit products or identity, commonly referenced preventative steps include:

Report the death to the SIN Program to reduce the risk of fraudulent use of the SIN, using the process described by the Government of Canada.
Notify credit bureaus to place a death notice / update the file, as outlined in bureau guidance.
Notify affected financial institutions and creditors promptly so internal investigation timelines are triggered and additional credit issuance is curtailed.
Report suspected fraud to appropriate authorities (police and relevant federal reporting channels) where warranted.

Procedural tool: Notice of Objection (Ontario)

If there is concern that another person may seek appointment without notice, Ontario procedure permits the filing of a Notice of Objection, which operates as an obstacle to the issuance of a certificate without notice to the objector.

PLEASE NOTE: The content of this blog is provided for informational purposes only and does not constitute legal advice. Reading this material does not create a solicitor-client relationship. Estate administration is fact-specific and may require advice from a qualified estates lawyer. This information has been prepared in accordance with the laws currently applicable in Ontario and may not reflect future legal developments.

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Raluca M. Soica January 26, 2026

Fraud and identity-theft mitigation steps after death

Where there is concern about fraudulent use of the deceased’s credit products or identity, commonly referenced preventative steps include: Procedural tool: Notice of Objection (Ontario)

Raluca M. Soica January 14, 2026

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