“Even if a financial institution rejects an initial application by an individual using a synthetic identity, credit bureaus create a record from the transaction based on the fraudulent credentials. Consequently, the record can be used repeatedly by a fraudster to establish a fake identity used to commit financial and other types of fraud.”

American politician and Marine Corps combat veteran

Seth Wilbur Moulton is an American politician and Marine Corps combat veteran who has served as the U.S. representative for Massachusetts's 6th congressional district since 2015. He is a member of the Democratic Party. His district covers much of Boston's northern suburbs, including Andover, Marblehead, Peabody, and Salem, where he grew up. As a public figure, he is known for his work in Congress and his background in military service, with remarks that often reflect politics and public life.