Identity theft occurs when someone fraudulently uses your personal information, such as your Social Security Number, credit card or bank account number, or other valuable identifying information for financial gain or criminal purposes. Often, the victim doesn’t even find out about the theft until receiving a credit card statement with unauthorized charges or being contacted by debt collectors. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit. If you believe you have been the victim of identity theft, contact the police, file a complaint with the Federal Trade Commission, and perhaps contact your state Attorney General. A qualified identity theft attorney may also be a valuable resource in the process of restoring your stolen identity.

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