{"id":352668,"date":"2016-04-04T10:42:05","date_gmt":"2016-04-04T15:42:05","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/online-scams\/identity-theft.html"},"modified":"2024-04-24T09:46:18","modified_gmt":"2024-04-24T14:46:18","slug":"identity-theft","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft.html","title":{"rendered":"Identity Theft Law"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Identity Theft Law<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/hannah-hilst\/\">Hannah Hilst<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last reviewed\n        <time>\n                            April 24, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Identity theft can cost victims time, money, and peace of mind. Anyone can become a target of a scam or data breach.<\/p>\r\n<p>Most identity thieves steal personal information over the internet. They can also get personal data from trash cans and other unsecured locations. This personal information allows thieves to access bank accounts, sensitive emails, and other private data.<\/p>\r\n<p>FindLaw&#8217;s Identity Theft section explains how you can boost your identity protection. You can also learn what to do if someone steals your identity. Federal consumer protection law offers ways to recover your identity and money.<\/p>\r\n<h2>What Is Identity Theft?<\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/identity-theft.html\">Identity theft is a crime<\/a>&nbsp;in which a thief uses a person&#8217;s personal information to commit fraud or other crimes.<\/p>\r\n<p>Some examples of personal information that thieves can use include:<\/p>\r\n<ul>\r\n<li>Social Security numbers (SSNs)<\/li>\r\n<li>Credit card numbers and verification details<\/li>\r\n<li>Driver&#8217;s license numbers<\/li>\r\n<li><a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft-and-obamacare-what-you-need-to-know.html\">Medical records<\/a><\/li>\r\n<li>Online account emails, usernames, and passwords<\/li>\r\n<li>Bank account numbers<\/li>\r\n<li>Names and birth dates<\/li>\r\n<li>Physical addresses<\/li>\r\n<\/ul>\r\n<p>Once a thief has your personal information, they can pretend to be you. Impersonation can be as simple as using your password to log into accounts only you should access.<\/p>\r\n<h2>How Can Identity Thieves Access My Information?<\/h2>\r\n<p>In other cases, your actions don&#8217;t affect your privacy or identity theft risk. Large companies and institutions compile huge electronic databases of personal profiles. Such databases often store your financial information and more. If&nbsp;<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-operations\/business-data-breach-customer-id-theft.html\">hackers gain entry<\/a>&nbsp;to them, it&#8217;s easy to steal thousands of consumers&#8217; data at once. That&#8217;s why&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/federal-data-privacy-laws.html\">federal data laws<\/a>&nbsp;mandate strong security for these databases.<\/p>\r\n<p>Identity theft can also begin in less tech-savvy ways. Thieves can learn your personal information by&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/online-safety-and-mobile-devices.html\">stealing your phone<\/a>&nbsp;or wallet. They might even go dumpster diving for discarded documents or steal mail from your mailbox. Simply looking over your shoulder at an ATM, a theif can take your money.<\/p>\r\n<h2>How Do Identity Thieves Use Information for Crime?<\/h2>\r\n<p>Depending on the personal information they find, thieves can exploit it by:<\/p>\r\n<ul>\r\n<li>Charging items to your credit card<\/li>\r\n<li>Opening a new credit card in your name to buy items<\/li>\r\n<li>Renting a house or property in your name<\/li>\r\n<li>Applying for a car loan<\/li>\r\n<li>Getting a job while pretending to have your credentials<\/li>\r\n<li>Opening a bank account in your name<\/li>\r\n<li>Opening a new account for utility services<\/li>\r\n<li>Taking the government benefits entitled to you<\/li>\r\n<li>Filing&nbsp;<a href=\"https:\/\/www.findlaw.com\/tax\/tax-problems-audits\/how-to-deal-with-tax-identity-theft.html\">fake tax returns<\/a>&nbsp;with the IRS<\/li>\r\n<\/ul>\r\n<p>These thieves can even give your information to the police when they commit an unrelated crime. Because thieves can cause such severe damage so quickly, catching the&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/detecting-identity-theft.html\">early signs of identity theft<\/a>&nbsp;is vital.<\/p>\r\n<h2>How Do I Get Identity Theft Protection?<\/h2>\r\n<p>You can take many steps to lower your risk of identity theft, such as:<\/p>\r\n<ul>\r\n<li>Using a credit card with fraud protection instead of your debit card when&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/consumer-transactions\/how-do-i-shop-safely-online.html\">shopping online<\/a>&nbsp;and in stores<\/li>\r\n<li>Securely storing paper records like Social Security cards, passports, bills, bank statements, and tax returns<\/li>\r\n<li>Shredding documents before recycling them<\/li>\r\n<li>Collecting your mail promptly after the mail carrier delivers it or installing a lockable security mailbox<\/li>\r\n<li>Using&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/online-safety.html\">strong, unique passwords<\/a>&nbsp;and <a href=\"https:\/\/www.techtarget.com\/searchsecurity\/definition\/two-factor-authentication\" target=\"_blank\" rel=\"noopener\">multi-factor authentication<\/a> for all online accounts<\/li>\r\n<li>Monitoring your credit file, including getting a copy of your free credit report on&nbsp;<a href=\"http:\/\/annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener\">AnnualCreditReport.com<\/a><\/li>\r\n<\/ul>\r\n<p>You can&#8217;t guarantee that you&#8217;ll never suffer identity theft. Many institutions collect your information during the course of daily life. One hack could expose everything a thief needs to steal your identity.<\/p>\r\n<h2>How Can an Identity Theft Attorney Help?<\/h2>\r\n<p>A&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consumer protection lawyer<\/a>&nbsp;can help you recover from identity theft as wholly as possible.&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer.html\">Getting legal guidance<\/a>&nbsp;can ease the hardships of restoring your reputation and regaining money.<\/p>\r\n<p>Identity theft can significantly damage a person&#8217;s credit history and reputation. Fortunately, several resources can help you recover from identity theft and prevent it in the future.<\/p>\r\n<p>One of these resources is an attorney with experience in identity theft. These attorneys understand the rights and remedies available to identity theft victims under state and federal laws.<\/p>\r\n<h2>How Do I Create a Fraud Recovery Plan?<\/h2>\r\n<p>The Federal Trade Commission (FTC) recommends visiting its resource,&nbsp;<a href=\"https:\/\/www.identitytheft.gov\/\" target=\"_blank\" rel=\"noopener\">IdentityTheft.gov<\/a>, to start recovering from identity fraud. Recovering as a victim of identity theft can be challenging and time-consuming.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/stolen-identity-what-to-do.html\">Identity theft report and recovery<\/a>&nbsp;often involve the following steps:<\/p>\r\n<ul>\r\n<li>Filing a police report with local law enforcement<\/li>\r\n<li>Contacting one of the major credit bureaus (Experian, TransUnion, and Equifax share fraud reports)<\/li>\r\n<li>Contacting the fraud departments of financial institutions like your credit card companies<\/li>\r\n<\/ul>\r\n<ul>\r\n<li>Stopping&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-collection-laws.html\">debt collection calls<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/how-to-stop-debt-collector-harassment.html\">harassment<\/a><\/li>\r\n<\/ul>\r\n<p>An&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">identity theft attorney<\/a>&nbsp;has experience communicating with these entities. Having an attorney will also prevent them from contacting you directly, especially for debts you don&#8217;t owe.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n     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12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Consumer legal issues typically need an attorney&#8217;s support\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can hire an attorney to enforce your rights for safe products, fair transactions, and legal credit, banking and related financial matters\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Legal cases for identity theft, scams, or the Equal Credit Opportunity Act can be complicated and slow. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/#USER_GEO\/?fli=esum:0803\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                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<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Thieves can steal your identity by finding your credit card, online accounts, or other details. 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