How is identity theft defined by the regulations?
ANSLEY: Most people view ID theft as an incident when someone steals our mail or grabs something out of our garbage to get our credit cards in our name. However, those situations have a zero policy and are easy to fix. Those situations are not what the Feds are talking about with this ruling. Only 34 percent of all illegal use of identities are credit bureau-related. The number one use of illegal identities in America today is for illegal alien employment. Illegal aliens are eight times more likely to commit a felony and other crimes, and if a crime is committed in your name, it will not show up on the credit bureaus. The Federal Trade Commission (FTC) has said that this is what their definition of ID theft is, and federal agencies dealing with financial institutions have agreed that what’s at stake is any information with our date of birth, license number, social security number and employee and tax IDs.
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