Certified Identity Theft Risk Management Specialist (CITRMS) Practice Exam

The primary purpose of identity theft and fraud centers around economic gain through deception. Individuals who commit identity theft typically seek to unlawfully use another person's personal information—such as social security numbers, credit card details, or bank account data—to steal funds, make unauthorized purchases, or secure loans without the victim's knowledge. This form of deceit is motivated by the desire to obtain financial benefits without any legitimate right to the resources acquired.

While collecting personal data, creating false identities, and stealing physical property can be components or consequences of identity theft, they primarily serve as means to an end. The ultimate goal is often to achieve financial advantage, which underscores why economic gain through deception is recognized as the central motive behind these criminal activities. Understanding this motive is crucial for developing effective prevention and response strategies against identity theft and related fraud.