What happens to all my info when phone is stolen.

See→If your iPhone, iPad, or iPod touch is lost or stolen - Apple Support

The answer depends on how carefully you protected the content on your phone.

• If you had a passcode on your phone and it was locked at the time it was stolen the thief has no access to your content.
• If you had enabled Find My on the phone at the time it was stolen the thief will not be able to use the phone at all.

What you need to do next is described in the link above, but basically log in to https://icloud.com/find using your Apple ID and password and put the phone into Lost mode (even if it is offline). You can also see either its current or its most recent location.

What you need to be careful about now is phishing scams to get you to reveal your Apple ID and password; these take the form of a text saying your phone has been found, and to enter your Apple ID and password to see where it is. This gives that information to the thief so they can steal any content that you synced to iCloud, and also to disable Activation Lock.

Try the steps below, especially erasing it and placing it on lost mode:

https://support.apple.com/en-us/HT201472

Absolutely. I am stuck on passwords because if the phone had a screen lock passcode none of this could possibly have happened. AND if your Apple ID had a strong password most of it could not have happened. In order for what you describe to happen BOTH the phone’s screen passcode and the Apple ID password would have to have been compromised. Oh, and the Apple ID and iCloud ID are the same thing, they are not something that can be reported separately.

You are stuck on “reported stolen”. There is no such thing as reporting a phone stolen, except to your carrier who can blacklist the IMEI, but they can’t do anything else. They can’t protect your data, and can’t lock your phone. If you tried to report the phone stolen to Apple they would have said they don’t take stolen phone reports. So if someone did take a stolen phone report they were not Apple.

If they are using your phone WITHOUT your data on it, did you remove the phone from your account? That cancels Activation Lock. But if they are using your phone WITH your data on it the only possible explanation is compromised passwords.

I answer several posts a day from people who forgot their screen passcode. The ONLY way to fix it is to restore the phone to factory settings as a new phone. Meaning all of the data on it is gone.

I also answer frequent posts from people who have bought (frequently stolen) Activation Locked phones. If they don’t know the Apple ID and password there is no way they will ever be able to use the phone.

For someone to be able to use your stolen iPhone, they would need to know your passcode. You did set a passcode ... correct? If not, and they are able to get into your phone, they would also need to know your Apple ID credentials. If these are compromised as well, then they will pretty much have full access to your phone.

The Apple Support article that elcpu provided you, lets you know what you should do when your iPhone is stolen. As a minimum, be sure to change your Apple ID password.

If you remove the device from your account that turns off Activation Lock and allows whoever has the phone to use it and set it up as theirs. If it still has activation lock then they are not using it. There is some other explanation why it appears that they are using it. If you erased it you can no longer track it.

Putting in a new SIM card does not bypass your passcode. And if you had enabled Find My they could not have gotten in to your Apple ID, either, so clearly you did not turn on Find My when you set up the phone.

Apple can’t help if you don’t protect your own data, and Apple has no way to lock your phone. And Apple does not get involved in lost/stolen phones, so if were contacted by “Apple” that was actually the thief.

Well, somehow the thief got your Apple ID and password, as well as your phone’s passcode (which might have been unlocked when it was stolen). And Apple does not take stolen phone reports. But even if the phone was unlocked it would still not be possible to get your Apple ID and password from it. So there is something else going on here.

twisted2910 wrote:

I called apple with all info Ser# iem # and iem2# to make sure phone was locked.

I suspect you didn’t call Apple, as Apple does not take stolen phone reports, and has no way to lock a phone or even verify that it is locked. You called someone pretending to be Apple.