Walk It Through: The Strange Account
A name and date of birth used without consent, graded by the number of items, and a step up for an elderly victim.
A retiree finds a loan taken out in their name using their name, date of birth and social security number.
Two things a person in this spot might do. Picking one shows what the law says about it.
One loan and one retiree. Credit reporting disputes, a child's or a dead person's information, and civil suits are not worked through here.
A practice walkthrough, not a prediction of how any real one will go. Legal information, not legal advice.
Words this turns on
Terms with a legal meaning that is narrower than the everyday one. Each links to the definition and the authority behind it.
- State jail felonyThe felony level below third degree: 180 days to two years in a state jail, and a fine of up to $10,000.
- TheftUnlawfully appropriating property with intent to deprive the owner of it, which is unlawful without the owner's effective consent, or when the property is stolen and known to be. The class follows the value taken.