Identity theft refers to a situation where a person uses information used to identify another person, such as their name, credit card number or social security number without their permission, in order to commit fraud or other crimes. In other words, it is stealing the identity of a certain person and pretending to be that person by assuming their identity, usually so as to access their resources or to obtain recognition and other profits in their name (Cheney, 2005).
There are many forms of crime related to identity theft. Some identity thieves rent apartments or get credit cards ...view middle of the document...
Identity thieves normally seek to get noticed; they may do it just for fun, for the purpose of revenge or just to destroy the reputation of another person. On rare occasions, they may impersonate other people for other reasons, such as, to be praised or get noticed for the achievements of the victim.
Criminal identity theft
This is when a criminal, at the time of arrest, decides to identify himself as a different person. They may have previously acquired actual identity documents by use of qualifications stolen from other people, or may have presented fake identification documents. In the event that this works, they may cause the true owner of the identity to bear the consequences of their crimes while they go scot- free. The victim may only learn about it by chance, for instance, by receiving a summons from the court.
It may be very difficult for a victim of such an identity theft to have their record cleared. For this to happen, it should be possible to determine the true identity of the thief. It also depends on the jurisdiction in which the crime occurred. They should also be able to prove their own identity. It may also be necessary to obtain an expungement of those court records (Love, 2008). It is however possible that a background check in the future could return with the wrong criminal records as they are normally very difficult to completely eliminate. The impact of identity theft may still affect the identity theft victims long after the crime has been committed.
Child identity theft
This occurs when the Social Security number of a minor is put to use by another person for their personal gain. It could be a friend, a member of the family, or stranger whose target is children. Children’s Social Security numbers have no information connected with them. The thieves can create credit lines, acquire a driver’s license, or even buy property using the identity of the child.
Financial identity theft
Financial Identity theft refers to bank fraud. This is when criminals acquire loans from financial institutions by pretending to be someone else. They prove themselves to be the victims by presenting the right name, birth date, address or some other information that may be required by the financial institution so as to identify the client. It includes credit card fraud, bank fraud, computer and telecommunication fraud, social program fraud, mail fraud, tax refund fraud, etc. Financial Identity theft is the most frequently occurring type of identity theft.
There are many signs that can tell that one has fallen prey to this type of identity theft. One starts to receive calls from collectors for failure to pay for certain bills of the services or products that had been provided to the financial identity thief. One may also come to learn about their indebted state when they apply for a loan, and are deemed ineligible because they already have many cards open in their name and that their bills are yet to be paid for.
A good way to protect...