James moved apartments and put in his change-of-address card with the U.S. Post Office. Unfortunately, they didn't forward his mail to his new apartment. When his mail was dropped at the previous apartment, the new tenants left it out in a common area. As a result, someone took the credit card applications sent to him, filled them out and returned them in his name—making James a victim of identity theft.
James’s name has been changed to protect his privacy.