Identity Theft

Help JCAP101 Fight Fraud
Identity TheftIdentity Theft is a type of crime where someone wrongfully obtains and uses another person’s personal information, such as their name, social security number, credit card information, or other identifying details, without their permission. The thief uses this information for various fraudulent activities, such as making unauthorized financial transactions, opening new accounts, or committing other crimes in the victim’s name.


  1. Financial Fraud: The thief may use stolen information to make unauthorized purchases, open credit cards, or apply for loans.
  2. Criminal Activity: Identity thieves might use the victim’s identity to commit crimes, leaving the victim to deal with the legal consequences.
  3. Tax Fraud: Identity thieves may file fraudulent tax returns using the victim’s information to claim tax refunds.
  4. Medical Identity Theft: Stolen information can be used to obtain medical services or prescriptions, leading to potential issues with the victim’s medical records.
  5. Employment-Related Fraud: Thieves may use stolen identities to secure employment, creating complications for the victim’s work history and taxes.

Detecting and Avoiding:

  1. Regularly Monitor Accounts: Frequently check your bank statements, credit card statements, and other financial accounts for any suspicious activity. Report any discrepancies immediately.
  2. Review Credit Reports: Obtain and review your credit reports regularly from major credit bureaus. Look for unfamiliar accounts or activities.
  3. Use Strong Passwords: Create complex and unique passwords for online accounts. Change them regularly and avoid using easily guessable information.
  4. Secure Personal Information: Safeguard your personal information, such as social security number, by not sharing it unnecessarily. Be cautious about providing information online or over the phone.
  5. Be Wary of Phishing: Avoid clicking on links or providing personal information in response to unsolicited emails, messages, or calls. Verify the legitimacy of requests independently.
  6. Shred Personal Documents: Shred important documents containing sensitive information before discarding them to prevent dumpster diving.

After Falling Victim:

  1. Report the Incident: Contact your bank, credit card companies, and other relevant institutions to report the identity theft. They can take steps to secure your accounts and investigate the fraudulent activity.
  2. File a Police Report: Report the identity theft to your local law enforcement agency. Obtain a copy of the police report, which can be useful when dealing with creditors.
  3. Contact Credit Bureaus: Place a fraud alert on your credit reports with major credit bureaus to prevent further unauthorized accounts from being opened in your name.
  4. Update Security Measures: Change passwords and strengthen security on all your online accounts. Consider enabling two-factor authentication where available.
  5. Monitor Accounts: Continue to monitor your accounts for any suspicious activity, and report it promptly.
  6. Seek Professional Assistance: If the identity theft is severe, consider seeking assistance from professionals, such as identity theft protection services or legal advice.

Remember, early detection and prompt action are crucial in mitigating the damage caused by identity theft.

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