Identity theft is the crime of obtaining and using someone else’s personal or financial information in order to assume that person’s name or identity to make purchases. Information that is usually targeted in an identity theft case includes the person’s name and date of birth, bank account information, credit card information, or other personal contact information (address, email address, phone number). For example, someone who steals your card and signs your name for all purchases, or files a fraudulent tax return with your name, is committing identity theft. Identity theft can damage your credit, impact your finances and can even affect your criminal record.
ID theft can also refer to the theft of one’s actual physical identification card (driver’s license or social security card). This typically occurs as the initial step in trying to steal the person’s identity. Medical identity theft can also occur (when the thief uses your identity to get healthcare). Be on alert if you receive a medical bill for treatment you don’t remember getting.
Identity theft has become a major issue now that personal information is stored on computers and online. For instance, if someone’s laptop is stolen and the victim’s financial information is stored on the computer, the criminal can easily access this information. In these cases, the perpetrator poses as the victim. Some cases of stolen identity, such as elderly identity theft and child identity theft, are more common because the victims are often defenseless.
Criminals can obtain personal information to steal one’s identity in any number of ways, including:
Identity theft is a federal offense that has criminal penalties. A person who is convicted of identity theft can face any of the following penalties:
If you think that your identity has been stolen, call the police. The police can help find the perpetrator and determine whether there is sufficient evidence for the District Attorney’s office to prosecute the person who committed the crime. You should also immediately call your credit card company and your bank to inform them of the theft. It may be necessary for you to freeze or close your bank account and cancel your credit cards.
If your identity has been stolen, it can cause damage your credit and make you financially liable for fraudulent charges if not reported quickly. But once you file a police report, you should act quickly to protect yourself from any issues with the credit company or if the police find the person who stole your identity. For this reason, you may wish to hire a personal injury attorney. Your attorney can advise you on your legal rights, can represent you in court, and help you ensure that the criminal faces penalties for his theft.
Last Modified: 09-29-2017 11:52 AM PDTLaw Library Disclaimer
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