Identity theft is the act of deliberately taking the identity of another living person, usually in order to commit civil, criminal, or commercial fraudulent actions, such as accessing the bank accounts of that person, or committing a crime on behalf of that person, or take the advantage of the person rights.
Identity theft is a crime, which became widespread in the U.S. in the second half of the XX century. This happened due to the wide introduction of services provided remotely, without the personal presence, in particular, the issue of credit cards or obtaining credit. In addition to that, there are crimes associated with the wide circulation of SSN (Social Security number) as the identifier of the person. In United Kingdom, the insurance IDs NINO (National Insurance number) and NHS (National Health Service number is used for identity theft. Identity theft always begins with the collection of victim’s personal information. Such information may be the name, telephone number, date of birth, parentage, address, social insurance number, credit card or debit number, password, or any other identifying information about the person.
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The thieves use this information to perform one or more transactions by simulating the identity of the person defrauded. For example, a fraudster can:
- open a bank account and take out loans that he will not pay back with interest;
- use a telephone lines and never pay for it;
- withdraw money from the bank account of the victim;
- claim to hold the same diplomas and qualifications than the victim;
- marry someone, have children without assuming responsibilities;
- receive compensation in lieu of the actual owner (pension, social benefits, etc.);
- drive with the registration of a vehicle of the same type and not paying fines for moving violations;
- conceal his criminal responsibility, etc.
According CioWorld, the price of the information to steal your identity, including address and SSN, is from 16 to 30 dollars on the U.S. black market. The likelihood of becoming a victim of identity theft is estimated at 2% for the average person in the United States.
University and college students, who have decided to write a research proposal on identity theft, have to carefully analyze the phenomenon. You have to explain the causes and try to find solutions. In their research projects, they are welcomed to present their own ideas and show the main point of the strategy of such crime preventing.
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