When unauthorized persons use your name to get cash and buy things it is called
With enough identifying information about an individual, a criminal can take over that individual's identity to conduct a wide range of crimes. For example: Show
What Can You Do If You've Become a Victim of Identity Theft? Call the companies where you know the fraud occurred.
Place a fraud alert and get your credit reports.
A fraud alert is free. It will make it harder for someone to open new accounts in your name.
Review your reports. Make note of any account or transaction you don’t recognize. This will help you report the theft to the FTC and the police. Report identity theft to the FTC.
Based on the information you enter, IdentityTheft.gov will create your Identity Theft Report and personal recovery plan. You may choose to file a report with your local police department.
What's The Department of Justice Doing About Identity Theft and Fraud? The Department of Justice prosecutes cases of identity theft and fraud under a variety of federal statutes. In the fall of 1998, for example, Congress passed the Identity Theft and Assumption Deterrence Act. This legislation created a new offense of identity theft, which prohibits "knowingly transfer[ring] or us[ing], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law." 18 U.S.C. § 1028(a)(7). This offense, in most circumstances, carries a maximum term of 15 years' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense. Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud (18 U.S.C. § 1028), credit card fraud (18 U.S.C. § 1029), computer fraud (18 U.S.C. § 1030), mail fraud (18 U.S.C. § 1341), wire fraud (18 U.S.C. § 1343), or financial institution fraud (18 U.S.C. § 1344). Each of these federal offenses are felonies that carry substantial penalties –¬ in some cases, as high as 30 years' imprisonment, fines, and criminal forfeiture. Federal prosecutors work with federal investigative agencies such as the Federal Bureau of Investigation, the United States Secret Service, and the United States Postal Inspection Service to prosecute identity theft and fraud cases. Your personal identifying information could include your full name, home address, email address, online login and passwords, Social Security number, driver’s license number, passport number, or bank number. Once thieves access this information, they may use it to commit identity theft or sell it on the dark web. What is identity theft?Whether an identity thief overhears you reading out your credit card number on the phone, buys your information on the dark web after it has been exposed in a data breach, or steals your information some other way, there are a lot of ways to access your personal details. Using that information is the next phase in the identity-theft process. Here are some examples of what identity thieves might do with your sensitive personal information.
Identity theft statisticsThere were 1,473 reported data breaches in 2019, according to the Identity Theft Resource Center's End-of-Year 2019 Data Breach Report. That represents a 17 percent increase over 2018. Some of the biggest breaches in U.S. history occurred in July 2019. How does identity theft happen?Identity thieves may access your personal information in different ways. Here are some examples. PhishingCybercriminals send fraudulent emails or texts that may look legitimate. The links in these emails or texts may be used to download malicious software — malware, for short. The software may be able to mine your computer for personal information and send it to a remote computer. Cybercriminals uses this information to commit identity theft or sell it on the dark web. It’s a good idea to never open suspicious-looking mails, click on links or download material. SkimmingCredit card or ATM card skimming happens when criminals replace card readers with a counterfeit device at cash counters or other point-of-sale systems, such as those at grocery stores, coffee shops, gas stations, or ATMs. This device captures data contained in the magnetic strip of credit cards and debit cards and passes it to the skimmer. Sometimes, a small camera is set up to capture entries like ZIP codes and ATM PINs. With information like credit card or debit card numbers, names, ZIP codes, or ATM PINs, criminals may be able to make fraudulent purchases or withdraw cash in the account holder’s name. Wi-Fi hackingSome public Wi-Fi connections are unencrypted. This could give criminals a chance to snoop on data traveling to and from your device. If your device has software vulnerabilities, cybercriminals may be able to inject malware to help them gain access to your data. Cybercriminals sometimes create fake Wi-Fi hotspots with names that sound like a legitimate network. Identity thieves may be able to view and exploit the information passing through the rogue network. Always check the spelling of the network name before connecting. And take the added precaution of using a VPN to connect to public Wi-Fi, especially if you’re accessing your bank account, making an online purchase, or filing your tax return. Dumpster divingIdentity thieves may steal mail and patch together your personal information to commit identity theft. They could get important details like bank account numbers, health insurance cards, or credit card details by stealing mail. They might be able to create a new identity if they access key information like your Social Security number. It’s smart to shred mail before discarding it. Also, shred pre-approved credit card offers, tax-related documents you don’t need, documents that contain credit card numbers or other personal details, or any communication from financial companies. Phone scamsFraudsters may call you on the phone, claiming to be from a bank or the IRS asking for money. If you receive this kind of call, don’t provide any information over the phone. Instead, hang up immediately. Banks and the IRS communicate through the mail. If you are not sure about a phone call, look up the caller’s phone number and call them. Data breachesAfter a data breach, your personal information could be at risk of being sold on the dark web. Sometimes a data breach puts at risk the personal information of millions of people. For instance, the Equifax data breach exposed the personal information of as many as 147 million people. MalwareCriminals use different techniques to install malware on another person's device. Malware could allow the criminal to access the device and information stored on it. Malware types include viruses, spyware, trojans, keyloggers. Mail theftThieves may sift through your mail in hopes of finding personally identifiable information. For instance, they might find a credit card statement with your account number, a tax form with your Social Security number, or other pieces of info that will help them commit identity theft. Child ID theftIdentity thieves can use a child's Social Security number to open financial accounts, apply for government benefits, apply for loans, and to apply for an apartment. The person whose identity was stolen might not know about the fraud until they apply for loans or other types of credit as an adult. Tax ID theftTax-related identity theft occurs when someone uses your personal information, such as your Social Security number, to file a tax return to collect your tax refund. You might not know until you try to file your tax return. The IRS will inform you that a tax return has already been filed in your name. 5 things you need to know about identity theftKnowing how identity theft happens can help you better understand which information you need to protect and how you can avoid becoming a victim. Read More Read More Read More Read More What happens to my information after identity theft?Identity thieves can profit from your personal information in a variety of ways. Steal your money or benefitsHow identity thieves use your information often depends on what information they have. For example, if they have your credit card number, name, and address, a criminal may be able to make unauthorized charges to your credit card. With more information, they might be able to file a tax return to steal your tax refund, use your stolen airline miles, receive medical treatment using your health insurance information, or apply for government benefits. Sell it on the dark webAfter a data breach, the exposed information sometimes ends up on the dark web — a part of the internet that isn't indexed by search engines. Social Security numbers usually sell for $1 each, a credit card number goes for up to $110, and a U.S. passport sells for up to $2,000, according to Experian. Impersonate youAn identity thief could also create fake social media accounts pretending to be you, use your info to pass a job background check or rent an apartment. Fraudsters often target people with a strong credit history and no criminal background. Possible signs of identity theftIt pays to monitor your banking and credit card statements frequently, along with your credit reports and your mail. Here are some signs of identity theft you can look for.
How to help protect yourself against identity theftHere are some easy ways you can protect yourself against identity theft:
Reporting identity theftReporting identity theft can help law enforcement bring criminals to justice and help keep your information safe. If you've been affected by identity theft, first contact at least one of the three major credit bureaus: TransUnion, Experian, and Equifax. Once you request an initial fraud alert, the credit bureau is legally required to communicate it to the other two bureaus. You may also want to consider freezing your credit reports, which limits access to new credit lines. Then report the identity theft to the authorities. The Federal Trade Commission’s website, IdentityTheft.gov, can provide you with a personalized recovery plan, guidance, progress tracking, and prefilled forms and letters. You can also report the crime by phone at 877-438-4338. Also report the identity theft to the FBI's Internet Crime Complaint Center. The Bureau tracks information and distributes it to law enforcement officers who can investigate and search for patterns. This helps the government understand these types of crimes and stop them from happening in the future. Why do you need identity theft protection?Identity theft is one of the top consumer complaints, according to the FTC. In recent years, data breaches have compromised personal information of millions of people. That means Social Security numbers, birthdates, addresses, or credit card information could be for sale on the dark web. Even if you take steps to help protect your personal information, it could be exposed in a data breach. Identity theft isn’t limited to your financial information. Criminals could go after your medical information to commit medical identity theft and use your insurance information to get medical services. Children can also become victims of child identity theft. Criminals could steal a child's personal data and sell it on the dark web .It’s a good idea to check your credit report regularly to make sure everything is accurate and correct. You can visit annualcreditreport.com to get a free credit report annually from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Try Norton 360 FREE 30-Day Trial* - Includes Norton Secure VPN30 days of FREE* comprehensive antivirus, device security and online privacy with Norton Secure VPN. Join today. Cancel anytime. *Terms Apply Start Free Trial Start Free Trial Start Free Trial Start Free Trial
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What type of theft involves stealing another person's personal information?Identity theft is when someone uses another person's financial or personal data, usually for monetary gain. This means a fraudster may take sensitive information like names, birthdates, Social Security numbers, driver's license details, addresses, and bank account numbers or credit card numbers.
What is the definition of identity theft quizlet?Identity theft definition. When someone wrongfully acquires and uses a consumers personal identification, credit, or account information.
What are the data items in a list called?A list is an ordered collection of values. The values that make up a list are called its elements, or its items.
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