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There are cases of identity cloning to attack payment systems, including online credit card processing and medical insurance.

In this situation, the identity thief impersonates someone else in order to conceal their own true identity.

especially if they are held responsible for the perpetrator's actions.

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When a criminal fraudulently identifies himself to police as another individual at the point of arrest, it is sometimes referred to as "Criminal Identity Theft." In some cases criminals have previously obtained state-issued identity documents using credentials stolen from others, or have simply presented a fake ID.

Provided the subterfuge works, charges may be placed under the victim's name, letting the criminal off the hook.

An October 2010 article entitled "Cyber Crime Made Easy" explained the level to which hackers are using malicious software.

As one security specialist named Gunter Ollmann said, "Interested in credit card theft?

The most common technique involves combining a real social security number with a name and birthdate other than the ones associated with the number.

Synthetic identity theft is more difficult to track as it doesn't show on either person's credit report directly, but may appear as an entirely new file in the credit bureau or as a subfile on one of the victim's credit reports.Victims might only learn of such incidents by chance, for example by receiving court summons, discovering their drivers licenses are suspended when stopped for minor traffic violations, or through background checks performed for employment purposes.It can be difficult for the victim of a criminal identity theft to clear their record.Mostly, posers create believable stories involving friends of the real person they are imitating.Unlike identity theft used to obtain credit which usually comes to light when the debts mount, concealment may continue indefinitely without being detected, particularly if the identity thief is able to obtain false credentials in order to pass various authentication tests in everyday life.This is just one example of the kinds of impact that may continue to affect the victims of identity theft for some months or even years after the crime, aside from the psychological trauma that being 'cloned' typically engenders.