What Is Identity Theft?
Identity theft is the result of deliberate identity of another person, usually in order to achieve a fraudulent action, such as accessing finance person misused or commit on behalf of an offense or crime, or access rights unduly.
Identity Theft: Description
Identity theft always starts with the collection of personal information about individuals defrauded. Personal information may be name, telephone number, date of birth, address, social insurance number, the number of credit card, password credit card or debit card or any other information identifying the person. The victim of identity theft is still alive and therefore has the right to defend its rights.
The thieves then use this information to perform a transaction or simulating identity of the person defrauded. For example, a fraudster can make phone calls or make major purchases and direct costs to the person defrauded, he may also withdraw money from the bank account of that person.
Identity theft involves a criminal act related. The victim died, no longer able to recover its rights. It is usually buried with the identity of someone else. Do not confuse the identity theft and identity theft.
Disclaimer: English, identity theft is reflected by the term “Identity Theft”. Do not confuse these two concepts.
Identity theft is opposed to:
- Use a false identity;
- The identity substitution
- Identity theft.
Legally, we must not mix the identity theft with the use of false documents, or of a false status. The offenses are different and can be combined.
Bill LOPPSI Homeland Security, introduced in 2009, plans to create two offenses on the criminal impersonation digital Act would amend Article 222-16-1 of the Penal Code to add:
- “The fact of using, repeatedly, on an electronic communications network the identity of a third party or data which are personal to disturb the tranquility of this person or others.”
- “The use on a network of electronic communication, the identity of a third party or data is stolen which are personal to damage his honor or consideration.”
The Human Rights Forum on the Internet is not opposed to this proposal but noted the vagueness of the wording proposed.
Techniques Of Impersonation
The main techniques used by fraudsters to obtain personal information are:
- Theft: purses, handbags, briefcases, computers and residential mail contain a large amount of personal information;
- Theft in mailboxes: provides the means of payment (credit card, checkbook), statements of account, invoices. All this is very useful for thieves to obtain credit.
- The excavation of garbage: you can find bank statements, statements of credit card bills, proposals for credit cards;
- The elicitation of passwords: you can steal a password by looking over the shoulder of a person who writes their password on a keyboard, by installing a camera in a strategic or using a keylogger;
- The wiretap: fraudsters may place listening devices from a terminal validation of credit cards and the communications network to capture card numbers, credit and passwords of customers;
- Phishing (or Pharming): it is to simulate e-mails of legitimate companies that ask for personal information to the recipient, of course, the responses of naive responders are received by fraudsters who then use this information to defraud their victims;
- Scams by phone fraudsters pose as officials, investigators and employees of legitimate companies to steal personal information.
Insurance Against The Costs Associated With Identity Theft
Some insurance companies offer insurance against losses caused by identity theft. Such insurance typically costs between $ 20 and $ 50 per year in Canada. They are sometimes included in home insurance.
The losses covered by such insurance typically include:
- Reimbursement of fees charged for fraudulent credit cards and debit;
- A help desk to perform the various administrative procedures for reporting identity theft, restore their credit, get new credit cards and debit cards, and additional documentation as required;
- Reimbursement of costs incurred (including lost wages) to perform the procedures described in the previous section;
- Legal assistance, as needed.
A study by the Center for Defense of Public Interest (Canadian organization for consumers) shows that these assurances have little benefit for the following reasons:
- Charges fraudulently charge credit cards and debit cards are borne by the companies issuing the cards in cases of identity theft;
- Although identity theft leads to frustration and trouble real costs associated with these flights are usually minimal;
- Reimbursements of lost wages are capped at a fairly low amount, about $ 1,000;
- Lack of transparency in contracts of insurance against the costs related to identity theft.
The Center for Defense of Public Interest does not recommend taking such insurance or to give weight to this important criterion in choosing a home insurance. The Center emphasizes, however much the importance of prevention to protect against identity theft.
Moreover, in cases of identity theft, your financial institution will provide, usually free of charge advice and assistance to make the necessary arrangements.
Study: From Wikipedia, the free encyclopedia. The text is available under the Creative Commons.
~ No related posts.
Tags: Impersonation, Impersonation Techniques, Techniques Of Impersonation, what is identity theft