Technology

Why physical ID theft is harder to fix than credit card fraud

Published

2 weeks ago

February 15, 2026

Why physical ID theft is harder to fix than credit card fraud

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It started with a voicemail from a Hertz rental car location in Miami, Florida. A 57-year-old woman in Los Alamitos, California, was asked when she planned to return a Mercedes-Benz she had never rented. A thief had stolen her driver’s license, replaced the photo with their own and used it to rent the vehicle. The same identity was used to open a credit card account, book airline tickets and reserve hotel stays. By the time she learned what happened, the fraud involved businesses in multiple states.

Clearing her name required police reports in two jurisdictions, written disputes with the credit card issuer and repeated contact with the rental company and hotels. Her accounts were frozen while she submitted notarized copies of her identification and signed fraud affidavits. The process lasted more than a week. She reported losing $78,500 and spent nearly 10 days dealing with the fallout from one stolen ID.

Credit card fraud is usually limited to a single account number. Physical ID theft gives someone the ability to act as you in the real world. As a result, the cleanup process is longer, more intrusive and often tied to your legal record.

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5 MYTHS ABOUT IDENTITY THEFT THAT PUT YOUR DATA AT RISK

A stolen driver’s license can allow someone to rent cars, open accounts and sign contracts in your name. (Photo by Silas Stein/picture alliance via Getty Images)

How credit card fraud recovery works

Under the Fair Credit Billing Act, you report unauthorized charges to the card issuer within 60 days of the statement date. Federal law limits your liability to $50, and most major issuers waive that entirely. The bank cancels the compromised card number, issues a replacement and removes the disputed charges after an investigation. You may need to confirm transactions and sign a fraud affidavit. The account number changes. Your name, driver’s license and Social Security number stay the same. In most cases, fraud is resolved within one or two billing cycles. That structure gives consumers clarity. There is one issuer, one investigation and one account to correct.

Why physical ID theft recovery is more complicated

Physical ID theft creates problems that go far beyond one financial account. When someone uses your driver’s license, they step into your legal identity. Start with reporting requirements. Most states require you to file a police report before the DMV will issue a replacement linked to fraud. That report number becomes part of your official record. If the misuse happened in another state, you may need to file a second report there.

Next, understand what replacing the card actually does. A new physical card does not erase prior activity. Rental contracts, utility accounts, hotel stays, or police interactions tied to the stolen license still carry your name and license number. Fixing those records takes work. You must contact each business directly and submit documentation. No central agency reverses everything at once. Each company sets its own rules and timeline.

The stakes can rise quickly. For example, if someone abandons a rental car or commits a crime using your stolen ID, law enforcement databases may record your name. At that point, the situation shifts from financial inconvenience to legal exposure.

HOW TO PROTECT A LOVED ONE’S IDENTITY AFTER DEATH

Police reports and formal disputes are often required before businesses will remove fraudulent records. (Kurt “Cyberguy” Knutsson)

How to prove physical ID theft was not yours

With credit card fraud, the issuer investigates the charge. With physical ID theft, businesses and agencies often require you to prove that you did not authorize the activity. That process usually starts at IdentityTheft.gov. The FTC generates an Identity Theft Report, which serves as an official statement of fraud. Most banks, collection agencies and rental companies will not proceed without it.

You may also need:

A local police report
A copy of your driver’s license
A notarized identity affidavit
Proof of residence tied to the date of the fraud

When thieves open fraudulent accounts in your name, dispute each one separately. Act quickly. Send a written response within 30 days of the first collection notice to protect your rights under federal law. Fraud that appears on your credit report requires another step. Contact Equifax, Experian and TransUnion individually and submit formal disputes with supporting documentation. The credit bureaus then have up to 30 days to complete their investigations. No central agency manages these corrections for you. Instead, every company sets its own documentation rules and timeline. Therefore, you must track deadlines, follow up consistently and keep detailed records of every communication.

You cannot simply replace your driver’s license number after identity theft

When a credit card number is stolen, the bank issues a new one. When a driver’s license is stolen, the number usually remains the same. In California, if your driver’s license is lost or stolen, you can request a replacement card through the DMV online system or at a field office. The official process gets you a new physical card. No new license number is automatically assigned when the card is stolen.

If there is identity misuse tied to the license number, the DMV fraud review process allows you to submit documentation, including police reports, to support an identity theft claim before they take further action. A Social Security number is even harder to change. The Social Security Administration approves new numbers only in cases involving continued harm. Applicants must provide extensive documentation and appear in person.

A stolen physical ID, such as your license, includes:

Full legal name
Date of birth
Address
Driver’s license number
Signature

That information is sufficient for in-person identity checks, rental contracts, certain loan applications and travel-related transactions.

Credit monitoring alerts can help you detect identity misuse before it spreads across multiple accounts. (Kurt “CyberGuy” Knutsson)

Why ongoing identity protection matters

There is no single agency that tracks misuse of your driver’s license across rental companies, lenders, collection agencies and law enforcement systems. That burden falls on you.

Identity theft services monitor your identity across all three credit bureaus and alert you to new credit inquiries, account openings and changes to your credit file. If fraud appears, you are assigned a dedicated U.S.-based case manager who helps:

File disputes with Equifax, Experian and TransUnion
Prepare and submit FTC Identity Theft Reports
Contact creditors and collection agencies
Track documentation deadlines and responses
Assist with reimbursement claims when eligible

Plans can include identity theft insurance of up to $1 million per adult to cover eligible expenses such as lost wages, legal fees and document replacement costs related to identity theft recovery.

No service can prevent every misuse of a stolen ID. But when the issue involves police reports, credit bureaus, tax agencies and collection accounts, having structured support can make all the difference.

The California woman in this case was not enrolled in an identity theft protection service. Some businesses may reverse fraudulent charges, but it is unclear whether she recovered the full $78,500.

See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com

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Kurt’s key takeaways

Credit card fraud follows a defined path. You report the charge, the issuer investigates and your account number changes. In most cases, the disruption ends there. Physical ID theft moves differently. It spreads across rental companies, hotels, credit bureaus and sometimes law enforcement databases. Instead of one dispute, you may face several. Instead of replacing a number, you must protect a permanent identity marker tied to your name. That shift matters. A stolen driver’s license carries your legal identity into the real world. Therefore, recovery demands documentation, patience and persistence. Each business sets its own rules. Each agency runs its own timeline. You coordinate the process. The lesson is clear. Protecting your financial accounts is critical. However, protecting your physical identification may be even more important. Once someone uses it in person, the cleanup becomes personal, procedural and time-consuming. Layered monitoring, early alerts and fast reporting reduce long-term damage. The faster you respond, the more control you keep.

Have you ever dealt with physical ID theft, and did the recovery process take longer than you expected? Let us know your thoughts by writing to us at Cyberguy.com

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Kurt “CyberGuy” Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on “FOX & Friends.” Got a tech question? Get Kurt’s free CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com.

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Technology

Here’s your first look at Kratos in Amazon’s God of War show

Published

2 hours ago

February 27, 2026

Press Room

Here’s your first look at Kratos in Amazon’s God of War show

Amazon has slowly been teasing out casting details for its live-action adaptation of God of War, and now we have our first look at the show. It’s a single image but a notable one showing protagonist Kratos and his son Atreus. The characters are played by Ryan Hurst and Callum Vinson, respectively, and they look relatively close to their video game counterparts.

There aren’t a lot of other details about the show just yet, but this is Amazon’s official description:

The God of War series storyline follows father and son Kratos and Atreus as they embark on a journey to spread the ashes of their wife and mother, Faye. Through their adventures, Kratos tries to teach his son to be a better god, while Atreus tries to teach his father how to be a better human.

That sounds a lot like the recent soft reboot of the franchise, which started with 2018’s God of War and continued through Ragnarök in 2022. For the Amazon series, Ronald D. Moore, best-known for his work on For All Mankind and Battlestar Galactica, will serve as showrunner. The rest of the cast includes: Mandy Patinkin (Odin), Ed Skrein (Baldur), Max Parker (Heimdall), Ólafur Darri Ólafsson (Thor), Teresa Palmer (Sif), Alastair Duncan (Mimir), Jeff Gulka (Sindri), and Danny Woodburn (Brok).

While production is underway on the God of War series, there’s no word on when it might start streaming.

Technology

300,000 Chrome users hit by fake AI extensions

Published

2 hours ago

February 27, 2026

Press Room

300,000 Chrome users hit by fake AI extensions

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Your web browser may feel like a safe place, especially when you install helpful tools that promise to make your life easier. But security researchers have uncovered a dangerous campaign in which more than 300,000 people installed Chrome extensions pretending to be artificial intelligence (AI) assistants. Instead of helping, these fake tools secretly collect sensitive information like your emails, passwords and browsing activity.

They used familiar names like ChatGPT, Gemini and AI Assistant. If you use Chrome and have installed any AI-related extension, your personal information may already be exposed. Even worse, some of these malicious extensions are still available today, putting more people at risk without their knowing.

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More than 300,000 Chrome users installed fake AI extensions that secretly harvested sensitive data. (Kurt “CyberGuy” Knutsson)

What you need to know about fake AI extensions

Security researchers at browser security company LayerX discovered a large campaign involving 30 malicious Chrome extensions disguised as AI-powered assistants (via BleepingComputer). Together, these extensions were installed more than 300,000 times by unsuspecting users.

Some of the most popular extensions included names like AI Sidebar with 70,000 users, AI Assistant with 60,000 users, ChatGPT Translate with 30,000 users, and Google Gemini with 10,000 users. Another extension called Gemini AI Sidebar had 80,000 users before it was removed.

These extensions were distributed through the official Chrome Web Store, which made them appear legitimate and trustworthy. Even more concerning, researchers found that many of these extensions were connected to the same malicious server, showing they were part of a coordinated effort.

While some extensions have since been removed, others remain available. This means new users could still unknowingly install them and expose their personal data. Here’s the list of the affected extensions:

AI Assistant
Llama
Gemini AI Sidebar
AI Sidebar
ChatGPT Sidebar
Grok
Asking ChatGPT
ChatGBT
Chat Bot GPT
Grok Chatbot
Chat With Gemini
XAI
Google Gemini
Ask Gemini
AI Letter Generator
AI Message Generator
AI Translator
AI For Translation
AI Cover Letter Generator
AI Image Generator ChatGPT
Ai Wallpaper Generator
Ai Picture Generator
DeepSeek Download
AI Email Writer
Email Generator AI
DeepSeek Chat
ChatGPT Picture Generator
ChatGPT Translate
AI GPT
ChatGPT Translation
ChatGPT for Gmail

FAKE AI CHAT RESULTS ARE SPREADING DANGEROUS MAC MALWARE

These malicious tools were listed in the official Chrome Web Store, making them appear legitimate and trustworthy. (LayerX)

How the fake AI Chrome extension attack works

These fake extensions pretend to offer helpful AI features, such as translating text, summarizing emails, or acting as an AI assistant. But behind the scenes, they quietly monitor what you are doing online.

Once installed, the extension gains permission to view and interact with the websites you visit. This allows it to read the contents of web pages, including login screens where you enter your username and password.

In some cases, the extensions specifically targeted Gmail. They could read your email messages directly from your browser, including emails you received and even drafts you were still writing. This means attackers could access private conversations, financial information and sensitive personal details.

The extensions then sent this information to servers controlled by the attackers. Because they loaded content remotely, the attackers could change their behavior at any time without needing to update the extension.

Some versions could also activate voice features through your browser. This could potentially capture spoken conversations near your device and send transcripts back to the attackers.

If you installed one of these extensions, attackers may already have access to extremely sensitive information. This includes your email content, login credentials, browsing habits and possibly even voice recordings.

We reached out to Google for comment, and a spokesperson told CyberGuy that the company “can confirm that the extensions from this report have all been removed from the Google Web Store.”

BROWSER EXTENSION MALWARE INFECTED 8.8M USERS IN DARKSPECTRE ATTACK

Once installed, the extensions could read emails, capture passwords, monitor browsing activity and send the data to attacker-controlled servers. (Bildquelle/ullstein bild via Getty Images)

7 ways you can protect yourself from malicious Chrome extensions

If you have ever installed an AI-related Chrome extension, taking a few simple precautions now can help protect your accounts and prevent further damage.

1) Remove any suspicious or unused browser extensions

On a Windows PC or Mac, open Chrome and type chrome://extensions into the address bar. Review every extension listed. If you see anything unfamiliar, especially AI assistants you don’t remember installing, click “Remove” immediately. Malicious extensions depend on going unnoticed. Removing them stops further data collection and cuts off the attacker’s access to your information.

2) Change your passwords

If you installed any suspicious extension, assume your passwords may be compromised. Start by changing your email password first, since email controls access to most other accounts. Then update passwords for banking, shopping and social media accounts. This prevents attackers from using stolen credentials to break into your accounts.

3) Use a password manager to create and protect strong passwords

A password manager generates unique, complex passwords for each account and stores them securely. This prevents attackers from accessing multiple accounts if one password is stolen. Password managers also alert you if your login credentials appear in known data breaches, helping you respond quickly and protect your identity. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com.

4) Install strong antivirus software and keep it active

Good antivirus software can detect malicious browser extensions, spyware, and other hidden threats. It scans your system for suspicious activity and blocks harmful programs before they can steal your information. This adds an important layer of protection that works continuously in the background to keep your device safe. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com.

5) Use an identity theft protection service

Identity theft protection services monitor your personal data, including email addresses, financial accounts, and Social Security numbers, for signs of misuse. If criminals try to open accounts or commit fraud using your information, you receive alerts quickly. Early detection allows you to act fast and limit financial and personal damage. See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com.

6) Keep your browser and computer fully updated

Software updates fix security vulnerabilities that attackers exploit. Enable automatic updates for Chrome and your operating system so you always have the latest protections. These updates strengthen your defenses against malicious extensions and prevent attackers from taking advantage of known weaknesses.

7) Use a personal data removal service

Personal data removal services scan data broker websites that collect and sell your personal information. They help remove your data from these sites, reducing what attackers can find and use against you. Less exposed information means fewer opportunities for criminals to target you with scams, identity theft or phishing attacks.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

Kurt’s key takeaway

Even tools designed to make your life easier can become tools for cybercriminals. Malicious extensions often hide behind trusted names and convincing features, making them difficult to spot. You can significantly reduce your risk by reviewing your browser extensions regularly, removing anything suspicious and using protective tools like password managers and strong antivirus software.

Have you checked your browser extensions recently? Let us know your thoughts by writing to us at Cyberguy.com.

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Technology

Anthropic refuses Pentagon’s new terms, standing firm on lethal autonomous weapons and mass surveillance

Published

14 hours ago

February 26, 2026

Press Room

Anthropic refuses Pentagon’s new terms, standing firm on lethal autonomous weapons and mass surveillance

Less than 24 hours before the deadline in an ultimatum issued by the Pentagon, Anthropic has refused the Department of Defense’s demands for unrestricted access to its AI.

It’s the culmination of a dramatic exchange of public statements, social media posts, and behind-the-scenes negotiations, coming down to Defense Secretary Pete Hegseth’s desire to renegotiate all AI labs’ current contracts with the military. But Anthropic, so far, has refused to back down from its two current red lines: no mass surveillance of Americans, and no lethal autonomous weapons (or weapons with license to kill targets with no human oversight whatsoever). OpenAI and xAI had reportedly already agreed to the new terms, while Anthropic’s refusal had led to CEO Dario Amodei being summoned to the White House this week for a meeting with Hegseth himself, in which the Secretary reportedly issued an ultimatum to the CEO to back down by the end of business day on Friday or else.

In a statement late Thursday, Amodei wrote, “I believe deeply in the existential importance of using AI to defend the United States and other democracies, and to defeat our autocratic adversaries. Anthropic has therefore worked proactively to deploy our models to the Department of War and the intelligence community.”

He added that the company has “never raised objections to particular military operations nor attempted to limit use of our technology in an ad hoc manner” but that in a “narrow set of cases, we believe AI can undermine, rather than defend, democratic values” — going on to specifically mention mass domestic surveillance and fully autonomous weapons. (Amodei mentioned that “partial autonomous weapons … are vital to the defense of democracy” and that fully autonomous weapons may eventually “prove critical for our national defense,” but that “today, frontier AI systems are simply not reliable enough to power fully autonomous weapons.” He did not rule out Anthropic acquiescing to the military’s use of fully autonomous weapons in the future but mentioned that they were not ready now.)

The Pentagon had already reportedly asked major defense contractors to assess their dependence on Anthropic’s Claude, which could be seen as the first step to designating the company a “supply chain risk” – a public threat that the Pentagon had made recently (and a classification usually reserved for threats to national security). The Pentagon was also reportedly considering invoking the Defense Production Act to make Anthropic comply.

Amodei wrote in his statement that the Pentagon’s “threats do not change our position: we cannot in good conscience accede to their request.” He also wrote that “should the Department choose to offboard Anthropic, we will work to enable a smooth transition to another provider, avoiding any disruption to ongoing military planning, operations, or other critical missions. Our models will be available on the expansive terms we have proposed for as long as required.”