Identity theft can affect your finances, reputation and even your ability to access important services. Criminals may use stolen personal information in many different ways, making it important to recognize common schemes before they cause significant harm. Understanding the different types of identity theft can also help you respond quickly if your information is misused.
People accused of these crimes have important legal rights that should be protected throughout the criminal justice process. Not in the least because people without the intent to do anyone any harm are too-often accused of the following types of wrongdoing.
1. Synthetic identity theft
Synthetic identity theft combines real personal information with fabricated details to create an entirely new identity. Because the information belongs to more than one person, this type of fraud can remain undetected for long periods while criminals open accounts or establish fraudulent credit histories.
2. Medical identity theft
Medical identity theft occurs when someone uses another person’s insurance or personal information to obtain healthcare services, prescriptions or medical equipment. Besides creating financial problems, it may also result in inaccurate medical records that affect future treatment.
3. Account takeover
Account takeover happens when someone gains access to your existing financial, email or online accounts using stolen usernames, passwords or other login credentials. Once inside, they may change your contact information, lock you out or make unauthorized transactions before you realize what has happened.
4. Social Security identity theft
A stolen Social Security number can be used to open financial accounts, obtain employment or commit other forms of fraud using another person’s identity. Because this information is widely used to verify identity, misuse can have lasting consequences.
5. Credit or debit card fraud
This type of identity theft involves using stolen payment card information to make purchases or withdraw money without permission. Victims often discover the fraud after noticing unfamiliar charges or unauthorized withdrawals on their account statements.
Identity theft investigations can involve complex evidence and serious criminal allegations. If you are facing accusations involving identity theft, it is important to understand your legal rights. Texas criminal defense representation can help you understand the allegations at issue, protect your interests and respond appropriately.