[Spooky23]

It all depends who gets the information and if they go after you.

My parents had a criminal gang compromise their information and open up a savings account in their name. They then initiated ACH transfers from their legit accounts and filed a fraudulent income tax return in their name, to the tune of $50k refund.

The only reason they did not get away with it is that the online bank sent a gift to the house and my parents knew people from their careers that could get the attention of law enforcement quickly.

Their bank suggested that a relative probably stole their bank credentials and that it was “nothing to worry about”.