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It was the shock of the deception by a trusted family member that made the deception so difficult for familiar fraud victim and certified credit counselor Thomas Nitzsche.Nitzsche hired a cousin to remodel his bathroom in 2007.Just before the job ended, Nitzsche reviewed the statements of the credit card they used to purchase project materials and found some unusual charges.

Victims may identify with, or even feel responsible for protecting the thief.

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.

"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.

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