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03-Feb-2020 21:59

"We were unaware of so much because she handled all the family finances," said Betz-Hamilton, an assistant professor of consumer studies at Eastern Illinois University. If projected across the population, that figure would mean 847,000 American victims of identity theft knew their thief. "Based on my experience, it's pretty regular and it's pretty underreported," said Jennifer Peters, a certified credit counselor with Consumer Credit Counseling Service of West Georgia/East Alabama.

"She had my name and Social Security number and that's all she needed." Measuring the problem According to Javelin Research and Strategy's 2014 Identity Fraud Report, familiar fraud victims made up 0.35 percent of adult consumers in the U. "Very often [victims] know and aren't going to do anything about it." Knowing your perpetrator often makes it difficult for victims to seek legal prosecution, said Eva Velasquez, Identity Theft Resource Center CEO."This is often a crime of opportunity, and the fact is your information is simply exposed more often to those close to you rather than to complete strangers," she said.

He caught the fraud early, but Nitzsche still describes the situation as an awful ordeal for the whole family.

He had worked with other victims of familiar fraud before, but never expected to deal with it himself. "If he was capable of that, what else would he have done if I hadn't caught it?

Betz-Hamilton discovered her mother's thievery in college, when utilities companies red-flagged her credit, prompting her to check her record.

Her 10-page-long credit report contained fraudulent credit entries and collection agency notifications dating back to 1993.

In an already delicate situation that might not be easy or work for everyone, according to Nitzsche.

"I wouldn't hand over the bill and say, 'Take care of this,' because it likely won't be taken care of.

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Betz-Hamilton and her father discovered that her mother opened fraudulent accounts in her name, her father's and grandfather's, racking up debt and unpaid taxes, and draining savings.But according to Experian's Director of Public Education Rod Griffin, the effects of familiar fraud are more important than the numbers.Battling the emotional components When an identity theft victim discovers he or she knows the perpetrator, the emotional impact increases dramatically, making the effects of fraud theft last even longer, according to the Identity Theft Resource Center.In addition to internal emotional turmoil, familiar fraud victims face concerns about what may happen to their family and friends, fearing retaliation and damaged relationships, if they make the situation known.

"A lot of people give me grief for standing up and telling my story," said Betz-Hamilton.Making the right choice will depend on the victims' evaluation of their financial situations and their perpetrators.



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