{"id":133387,"date":"2024-07-18T05:00:43","date_gmt":"2024-07-18T12:00:43","guid":{"rendered":"https:\/\/www.mcafee.com\/blogs\/?p=133387"},"modified":"2025-06-08T22:07:24","modified_gmt":"2025-06-09T05:07:24","slug":"5-common-types-of-identity-theft","status":"publish","type":"post","link":"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/5-common-types-of-identity-theft\/","title":{"rendered":"How to Identify the Different Forms of Identity Theft"},"content":{"rendered":"<p><span data-contrast=\"auto\">Identity theft is a pervasive threat in today\u2019s digital age, with various forms that can wreak havoc on individuals\u2019 lives. In 2023, the Federal Trade Commission\u2019s Consumer Sentinel Network received more than <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-identity-theft-and-cybercrime#:~:text=The%20Federal%20Trade%20Commission's%20(FTC,19%20percent%20for%20identity%20theft.\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">5.39 million consumer reports<\/span><\/a><span data-contrast=\"auto\">, with 19% of those reports attributed to identity theft.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Understanding the types of identity theft is crucial for safeguarding personal information and financial well-being. From the insidious tactics of new account fraud to the alarming consequences of medical identity theft, each method poses distinct risks and challenges. Here are six types of the most common forms of identity theft.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">New Account Fraud<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Using another\u2019s personal identifying information to obtain products and services using that person\u2019s good credit standing. This fraud often requires the use of the victim\u2019s Social Security number. Opening new utility, cell phone, and\/or credit card accounts are the most prevalent forms of new account fraud.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><b><span data-contrast=\"none\">Account Takeover Fraud<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Using another person\u2019s account numbers, such as a credit card number, to obtain products and services using that person\u2019s existing accounts or extracting funds from a person\u2019s bank account.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><b><span data-contrast=\"none\">Criminal Identity Theft<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Someone commits a crime under another person\u2019s name. The thief, in the act of the crime or upon arrest, poses as the identity theft victim. Often the perpetrator will have a fake ID with the victim\u2019s information but the imposter\u2019s picture.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><b><span data-contrast=\"none\">Medical Identity Theft<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Medical identity theft occurs when someone uses a person\u2019s name and\/or insurance information\u2014without the person\u2019s knowledge or consent\u2014to obtain medical services or goods, or to make false claims for medical goods or services. Medical identity theft frequently results in erroneous entries being put into the victim\u2019s medical records, which in turn may lead to inappropriate and potentially life-threatening decisions by medical staff.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Business or Commercial Identity Theft<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Using a business\u2019s name to obtain credit or even billing those businesses\u2019 clients for products and services. Perpetrators who commit business identity theft are often insiders \u2014 current or ex-employees \u2014 with direct access to operational documentation, who pad the books in favor of their scheming.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Identity Cloning<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">This type encompasses all forms of identity theft. The thief is actually living and functioning as the victim on purpose. They may be hiding in plain sight due to the fact they are running from the law, evading child support or they could be mentally ill.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">It is important to observe basic security precautions to protect your identity. To protect your identity from theft, regularly monitor your financial accounts for suspicious activity and report any discrepancies immediately. Safeguard personal information by avoiding sharing sensitive data on insecure websites or over <\/span><a href=\"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/need-watch-using-public-wi-fi\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">unsecured Wi-Fi networks<\/span><\/a><span data-contrast=\"none\">. Utilize <\/span><a href=\"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/create-strong-passwords-with-a-password-generator\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">strong, unique passwords<\/span><\/a><span data-contrast=\"none\"> for each online account and enable <\/span><a href=\"https:\/\/www.mcafee.com\/blogs\/tips-tricks\/authentication-methods-101\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">multi-factor authentication<\/span><\/a><span data-contrast=\"none\"> whenever possible. Finally, be cautious of <\/span><a href=\"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/plenty-of-phish-in-the-sea-your-guide-to-spotting-phishing-emails-and-scams\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">phishing attempts<\/span><\/a><span data-contrast=\"none\"> and never click on suspicious links or provide personal information in response to unsolicited communications.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Check out our blog post on <\/span><a href=\"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/top-signs-of-identity-theft\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">the top signs of identity theft<\/span><\/a><span data-contrast=\"none\"> for further advice on what to do if you feel you may be at risk. Also consider an identity theft protection product, like <\/span><a href=\"https:\/\/www.mcafee.com\/en-us\/identity-theft\/protection.html?path=blogs\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">McAfee+<\/span><\/a><span data-contrast=\"none\">, that can provide greater peace of mind through 24\/7 identity monitoring and alerts, plus up to $2 million in identity theft coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335557856&quot;:16777215,&quot;335559738&quot;:5,&quot;335559739&quot;:5}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Identity theft is a pervasive threat in today\u2019s digital age, with various forms that can wreak havoc on individuals\u2019 lives&#8230;.<\/p>\n","protected":false},"author":1407,"featured_media":197318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[142,11422],"coauthors":[15735],"class_list":["post-133387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-privacy-identity-protection","tag-tag-identity-theft","tag-protecting-from-identity-theft"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Identify the Different Forms of Identity Theft | McAfee Blog<\/title>\n<meta name=\"description\" content=\"Identity theft is a pervasive threat in today\u2019s digital age, with various forms that can wreak havoc on individuals\u2019 lives. 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