Identity Fraud

What is Identity Fraud?


According to Wikipedia:

Identity fraud/theft is the deliberate use of someone

else's identity, usually as a method to gain a financial

advantage or obtain credit and other benefits in the other

person's name, and perhaps to the other person's

disadvantage or loss.




Common examples of identity fraud include:
  • Child ID theft - Children’s IDs are vulnerable because the theft may go undetected for many years. By the time they are adults, the damage has already been done to their identities.

  • Tax ID theft - A thief uses your Social Security number to falsely file tax returns with the Internal Revenue Service or state government.

  • Medical ID theft - This form of ID theft happens when someone steals your personal information, such as your Medicare ID or health insurance member number to get medical services, or to issue fraudulent billing to your health insurance provider.

  • Senior ID theft - ID theft schemes that target seniors. Seniors are vulnerable to ID theft because they are in more frequent contact with medical professionals who get their medical insurance information, or caregivers and staff at long-term care facilities that have access to personal information or financial documents.

  • Social ID theft - A thief uses your name, photos, and other personal information to create a phony account on a social media platform.


Phone scams have been around for a very long time. Unfortunately, they are not going away because innocent people are still falling for them.

The elderly are especially vulnerable. Sometimes they are a bit lonely and happy to talk to someone on the phone.

The scammers are often very friendly and more than happy to continue supplying false or fake information about their scam. All of the additional information  adds validity to their scam.


 They may even direct the caller to a website that features other "satisfied customers". These customers, known as shills, are likely as fake a

s their praise for the company.  

Here are a few red flags to help you spot telemarketing scams.


If you hear any of the  lines below that sounds like this,

say "no, thank you", and hang up:

- You've been specially selected (for this offer).

- You'll get a free bonus if you buy our product.

- You've won one of five valuable prizes.

- You've won big money in a foreign lottery.

- This investment is low risk and provides a higher return than you can

   get - anywhere else.

- You have to make up your mind right away.

-You trust me, right?

- You don't need to check our company with anyone.

- We'll just put the shipping and handling charges on your credit card.


Join the National Do Not Call List

Register your home and mobile phone numbers with the

National Do Not Call Registry.

This won’t stop all unsolicited calls, but it will stop most.

If your number is on the registry and you still get calls, they’re probably from scammers ignoring the law. Hang up, and report them at

Email - Text- Websites

Phishing, Vishing Smishing

  • - When a scammer uses fake email, text messages, or copycat websites to try to steal your identity or personal information, such as credit card numbers, bank account numbers, debit card PINs, and account passwords

  • Internet auction fraud - This involves the misrepresentation of a product advertised for sale on an internet auction site, or non-delivery of merchandise.   

  • Credit card fraud - When scammers fraudulently obtain money or property through the unauthorized use of a credit or debit card or card number


Phishing and Vishing and  Smishing

Scammers use a variety of methods to try to steal your personal and financial information. They often try to make you feel comfortable with giving up your sensitive information by spoofing trusted logos of legitimate companies in an email or by pretending to be a family member or friend on the phone.  


Phishing is when a scammer uses fake email, text messages, or copycat websites to try to steal your identity or personal information, such as credit card numbers, bank account numbers, debit card PINs, and account passwords. The scammer may state that your account has been compromised or that one of your accounts was charged incorrectly.

A scammer will instruct you to click on a link in the email or reply with your bank account number to confirm your identity or verify your account. They will sometimes threaten to disable your account if you don't reply, but don't believe it. Legitimate companies never ask for your password or account number by email.

Report Phishing Scams

Forward phishing email messages to or file a complaint with the Federal Trade Commission (FTC). Include the full email header of the scam message in your report. Find out how to do this by searching online for the name of your email service and the words “full email header.”

How to Protect Yourself

Here are some ways to protect yourself from phishing scams:


  • Reach out if you’re unsure - If you believe that a company needs personal information from you, call the number from their legitimate website or your address book. Do not call the number or use the links in the email. Tell the customer service representative about the request and ask if your account has been compromised.

  • Turn on two-factor authentication - If your account supports it, you can set it up to require your password and an additional piece of information (code sent to your phone or a random number generated by an app) when you log in. This protects your account even when your password has been stolen.



  • Don't click on any links or attachments in the email - Any links, attachments, or phone numbers that you click on may contain a virus that can harm your computer. Even if links in the email say the name of the company, don't trust them. They may redirect to a fake website.



Vishing and Smishing

Similar to phishing, vishing (voice and phishing) and smishing (SMS texting and phishing) scammers also seek to steal your personal information. However, these scams target your mobile or landline phone instead of your computer. You may be directed to call a phone number to verify an account or to reactivate a debit or credit card.

Report Vishing and Smishing Scams

If you have received one of these requests, report it to the Internet Crime Complaint Center (IC3). Your complaint will be forwarded to federal, state, local, or international law enforcement. You will need to contact your credit card company directly to notify them if you are disputing unauthorized charges on your card from scammers, or if you suspect your credit card number has been compromised.

Victims of these scams could also become victims of identity (ID) theft. Visit to learn how to minimize your risk.