Identity Theft? It’s Easy If You Do It Smart

Simply pretending to be a law enforcement officer is a Class B misdemeanor while impersonation to obtain the personal identification of other people is a Class A misdemeanor. Impersonating a law officer is considered a type of identity theft that can lead to a Class A or Class B misdemeanor in Tennessee. If the card is stolen but not used, it will lead to a Class A misdemeanor charge, with up to a $2,500 fine and 11 months and 29 days in jail. Using some else’s ID or a fake ID to obtain goods is a Class C misdemeanor in Tennessee. A charge of identity theft in Tennessee can lead to a federal investigation. If the institution needs more time, it may take up to 45 days to complete the investigation but only if the money in dispute is returned to your account and you are notified promptly of the credit. The institution must tell you the results of its investigation within three business days after completing it. At the end of the investigation, if no error has been found, the institution may take the money back if it sends you a written explanation. After receiving your notification about an error on your statement, the institution generally has 10 business days to investigate.

You have 60 days from the date your bank account statement is sent to you to report in writing any money withdrawn from your account without your permission. Under federal law, both the consumer reporting fraud prevention company and the information provider (the business that sent the information to the consumer reporting company), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. Some criminals may use garbage where they can find copies of the checks, bank statements or other documents that have the victim’s private information. To prevent id theft from happening, be stricter with regards to sharing your private data. Keep your personal information safe by not posting your full name, birthday, address, phone number, and other private information that could be used to find you. Beware of phishing scams and do not provide personal information to individuals who contact you via phone or email. If you receive this kind of call, don’t provide any information over the phone. Misuse of your personal information will surely damage your online reputation. Generally speaking, the stolen money must be paid back up to three times its value and there will be a considerable fine of at least $5,000.

If the card is used, theft charges may follow, with the possibility of a longer prison sentence and an order to pay back the amount stolen. A criminal conviction can affect your life forever so you need a serious defense against the charges. Whether your reputation is sullied through a social media takeover, or your financial information is used to fraudulently obtain a loan, it’s an extremely personal violation that can take hundreds of hours and thousands of dollars to repair. It’s important to check your statements thoroughly and often. It’s a pre-recorded robocall (opens new window) – even though it sounds like a real person – and it’s illegal. Even a state-investigated crime can have serious repercussions. This is true even if you do not know about the bills. Unfortunately, it’s harder for consumers to detect and close fraudulent accounts that they do not know about, unlike the fraudulent charges on existing accounts (such as credit cards), which are easier to monitor and prevent. Regularly review your statements from credit card companies and your health care providers to catch any errant charges and dispute them promptly.

A credit freeze cannot protect you from fraudulent credit or debit charges. You can place a freeze with the three credit reporting agencies via their website, telephone or by letter. When requesting the freeze in writing you will need to provide a letter with the information above and your full name and signature, current street address and any addresses where you have lived during the past two years, a copy of an official photo government ID, and a copy of a recent utility bill. Devices infected with TrickBot will become part of a botnet that can allow attackers to gain complete control of the device. We can also send you a copy of their publications, however, this website has the most up to date information to assist you. Make sure a written report is taken and that you receive a copy of the police report so that you can give copies to creditors. A creditor or another company affected by the identity theft requires you to provide a police report. A victim of identity theft should file a report with the victim’s local police or the police in the community where the theft took place. Synthetic identity theft is sometimes more difficult to recognize because it usually doesn’t show up on the victim’s credit report directly.

One Response to Identity Theft? It’s Easy If You Do It Smart

  1. Hairstyles says:

    Hello! I’ve been following your site for a long time now and finally got the bravery to go ahead and give you a shout out from Humble Texas! Just wanted to tell you keep up the great work!

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