Identity theft

Identity theft
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  • Oh no my purse has been stolen by that kid SOMEONE HELP PLEASEEEEE all my important information is in my purse HELP!!!!!!
  • YOU WILL NEVER GET THIS BACK LADY HAHAHAHAHA
  • MOM!! i was walking home from school and some kid stole my purse and my debit and credit cards are in there even my social security card!!!!
  • Oh, honey whats wrong with you!!!
  • RING RING RING!! HI is this Vanessa Gomez? okay, good ma'am, we have noticed some strange activity in your bank account and we just wanted to confirm these changes with you. If you haven't made any of these purchases then we are afraid you've been a victim of identity theft! Well identity theft is  the fraudulent acquisition and use of a person's private identifying information, usually for financial gain.
  • Yes, I am Vanessa how can I help you. What even is identity theft????/
  • We will now cancel your credit and debit cards and you have to report this to the fraud center. We have a policy of having zero-liability policies, meaning you won’t be responsible for any fraudulent charges made on your accounts.
  • what do I do if I'm a victim of identity theft?????
  • Mom: So Vannesa what did you learn? Vannesa: I learned to not carry important documents in my purse. Mom: So are you going to be liable for anything? Vannesa: Under the FCBA, you won't be held liable for any charges if you report the theft before any fraudulent charges are made. However, you could be liable for up to $50 if the thief uses your stolen credit card before you report the theft.
  • MOM: so what are the most important credit reporting agencies?? Vannesa: Well there's Equifax, Experian, and TransUnion. They are important because they help people fix their credit situation if they need it.
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