. >> former fbi special agent jeff lanza was in the field for over 20 years. he's an expert in identity fraud and cybercrime, and he believes everyone needs help protecting their identities. 10 years ago, i didn't even think about identity theft but then, unfortunately, i became a victim. and now we hear that it's the fastest-growing crime in america. i think most people think if they have a problem, their bank or credit-card company will just take care of it for them, right? >> well, it depends on what the problem is. if the problem is credit-card fraud -- someone used your existing credit-card number or cloned your card -- yeah, the bank will take care of that. but that's just one part of the problem of identity theft. there's a much broader problem, and that is when someone steals your identity entirely. they've got your i.d., they've got your social security number, they apply for these accounts in your name. you don't even know it's happening. you may not figure it out until you get a call from a bill collector or credit-card company that says you're past

. >> former fbi special agent jeff lanza was in the field for over 20 years. he's an expert in identity fraud and cybercrime, and he believes everyone needs help protecting their identities. 10 years ago, i didn't even think about identity theft but then, unfortunately, i became a victim. and now we hear that it's the fastest-growing crime in america. i think most people think if they have a problem, their bank or credit-card company will just take care of it for them, right? >> well, it depends on what the problem is. if the problem is credit-card fraud -- someone used your existing credit-card number or cloned your card -- yeah, the bank will take care of that. but that's just one part of the problem of identity theft. there's a much broader problem, and that is when someone steals your identity entirely. they've got your i.d., they've got your social security number, they apply for these accounts in your name. you don't even know it's happening. you may not figure it out until you get a call from a bill collector or credit-card company that says you're past