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The Holland Law Firm, P.C.

Criminal Records Identity Theft – What Does it Entail?

How Should You Respond to the Theft of Your Identity?

2021 saw a 68% increase in data compromises in the United States; this indicates the highest level of data compromise in history. Another startling new development of identity theft involves children. Child identity theft affects one out of every fifty children in the US. No one is immune to the risk of identity theft, and anyone who has been through it understands how defeating, expensive, and time-consuming it can be to resolve.

how should you respond to the theft of your identity

Phishing scams, ransomware, and many other online tricks make the public vulnerable to identity theft. It is critical to understand identity theft, know how to spot it, and what to do if you suspect you are a victim.

Identity Theft Response

A security breach makes your personal information vulnerable, but a security breach is not a crime, while identity theft is a serious crime. These criminals often take advantage of security breaches.

Criminals commit identity theft when they get personal and financial information and use it for personal gain. They get this information either by stealing it or using scams to collect it directly. Personal gains for a criminal who steals an identity may include:

  • making purchases
  • selling identity and financial information to someone else
  • receiving medical care
  • opening credit lines

And many other activities that require personal identifying and financial information.

The personal information at the center of identity theft includes your social security number, date of birth, and birthplace. This standard information is commonly entered online. Even when you’re careful and selective, this identifying information is required for different services in life. We live in a digital age where consumers complete online forms every day. As a result, it is increasingly difficult to keep personal information safe from online criminals.

Signs of Identity Theft

Early Signs of Identity Theft :

  • Credit application denied
  • Offered a credit line at a higher rate
  • A sudden rise in your credit score
  • Unauthorized withdrawals from your bank account
  • Unfamiliar “test charges” you didn’t make

How to Respond

These are just some preliminary steps to take as you respond to identity theft; it is not a comprehensive list. It is important to research all options available and seek help when you suspect you are a victim of a crime.

A few steps to take if you suspect identity theft:

  • Review your credit reports for mystery accounts.
  • Place a fraud alert on your credit reports.
  • Scan bank statements and credit card statements for unauthorized charges.
  • Review and improve your online security for all accounts, including social media accounts and any account you log in with personal information.
  • Make a recovery plan.

An Identity Theft Lawyer Can Help

Identity theft lawyers operate as your consumer advocate. Identity theft can cause extensive financial damage and other significant issues for a victim. Poor credit, personal reputation, high levels of stress, and frustration are often experienced by victims.

Reporting this crime and starting a recovery plan is critical and time-sensitive. The process involves communication with law enforcement, credit bureaus, and financial institutions. In addition, consumers have many rights that are often overlooked.

If you are the victim of identity theft and need a lawyer to help, the Holland Law Firm is here for you! 

Don’t feel helpless; as horrible and alarming as identity theft can be, there’s a way forward, and we’re here to help.