Ask the credit bureaus to place a "fraud alert" on your credit report.Step One: Report the identity theft to the fraud department of the three major credit bureaus. Steps that should be taken immediately after you notice your identity has been stolen, online or otherwise, include:
Identity Cloning: Identity cloning refers to all forms of identity theft in one the thief literally takes over the other individual’s identity, in every aspect of their life.įirst, contact an experienced identity theft attorney to learn more about your legal rights and options. This can be one of the most dangerous types of identity theft, as the notes made on the victim’s medical charts, which really concern the thief, could lead to improper and potentially fatal medical decisions in the future.īusiness of Commercial Identity Theft: This occurs when an individual, usually a current or ex-employee, uses a business’s name to obtain credit. Medical Identity Theft: By using another person’s name and insurance information, an identity thief can fraudulently receive medical care and services, including prescription drugs and other medical instrumentations. This can include the use of existing credit cards or withdrawals from established bank accounts.Ĭriminal Identity Theft: In some instances, an individual committing a criminal act will identify themselves as another person, typically with the use of fraudulent identification. These can include credit card accounts, bank accounts, utility accounts, and cell phone accounts.Īccount Takeover Fraud: In these cases, an individual uses another person’s existing personal and financial information for their own gain. New Account Fraud: This occurs when an individual takes advantage of an individual with good credit standing by using their personal information to create new accounts. The Fair Credit Reporting Act defines identity theft as “a fraud committed or attempted using the identifying information of another person without authority.” Typically, identity theft is separated into six categories, which are comprised of the following: If your case is successful, you may be able to recover compensation for your financial losses, restore your reputation, and reestablish your credit score. Additionally, our attorneys can review the details of your case, which will include both information collected by our experts and your own accounts, to determine whether a third party can be held liable for your injury. It is important to contact an attorney to discuss options that may be available to you if the police cannot be of assistance.Īt Morgan & Morgan, our attorneys have access to experts at the top of their respective fields, including private investigators and forensic accountants, who may be able to assist in determining, through their own private investigation, when your identity was stolen and by whom. As identity theft becomes more common, determining the identity of the thief has become a challenge for police, often leaving victims without legal recourse against the thieves themselves. Recovering stolen money and correcting any additional damage caused by identity theft, such as a damaged credit score or a tarnished reputation, can be a difficult task to undertake on your own.
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