PLENA Identity Theft & Fraud Recovery
Structured timeline receipts for identity-theft victims navigating recovery. Built for the 1.4 million annual US identity-theft victims (and tens of millions globally) who need a contemporaneous, timestamped record of fraud discovery, reports made, credit-bureau interactions, and bank responses across the multi-year recovery process.
Opening problem
Roughly 1.4 million identity-theft reports were filed with the US FTC in 2023; tens of millions of cases occur globally. The victim experience of identity theft is reconstruction from chaos: discovery of fraud often arrives in fragmented forms (declined transaction, surprise bill, credit-report alert), institutional interactions multiply quickly (police report, FTC report, bank disputes, credit-bureau freezes, IRS Identity Protection PIN, employer notifications), and the recovery process unfolds over months or years. PLENA Identity Theft & Fraud Recovery produces a structured, timestamped, victim-controlled timeline of every step.
Five workflows PlenaProof covers
Initial Discovery Documentation
Sealed capture of the fraud-discovery event: what was discovered, when, how, with what supporting evidence (statement, alert, declined transaction).
Report-and-Freeze Receipt Timeline
Receipts of every report filed: police report, FTC IdentityTheft.gov report, credit-bureau freeze requests, FBI IC3, IRS Identity Protection PIN, employer and benefits-administrator notifications.
Bank and Credit-Bureau Interaction Documentation
Receipts of disputes filed with each affected institution, the responses received, the timing, the resolution (or non-resolution).
Ongoing Monitoring Refresh
Periodic refresh of the recovery state: new fraud detected, additional accounts compromised, follow-up on prior disputes.
Recovery Completion Continuity
The final-resolution archive plus ongoing periodic refresh in case the identity remains compromised — identity theft frequently recurs months or years after initial resolution.
Institutional version
Target partners: US FTC IdentityTheft.gov; state attorneys general identity-theft units; credit reporting agencies (as receiving parties); banking ombudsmen; FBI Internet Crime Complaint Center; private identity-protection services (LifeLock, Aura, IdentityForce — as potential partnerships rather than competitors).
Same complement-not-replace disclaimer. PlenaProof does not recover stolen funds, identify perpetrators, or prevent future identity theft. It produces the receipt layer that consumer counsel, banking ombudsmen, and regulators can act on.
The 100-Year Operating Commitment
Identity-theft consequences sometimes surface years or decades after the initial fraud — old debt resurfaces, dormant tax issues recur, retirement-account compromises emerge in later life. Every artifact replicated, anchored, verifiable across that arc.
Why this differs
From identity-protection services (which provide monitoring and some restoration assistance under their own institutional control): PLENA receipts are victim-controlled, portable across providers, and structured for multi-forum handover (FTC, state AG, IC3, civil counsel, bank ombudsman) from one underlying archive.
Existing instruments this complements
- US FTC IdentityTheft.gov recovery process
- Fair Credit Reporting Act (FCRA)
- Identity Theft and Assumption Deterrence Act
- State data-breach notification statutes
- FBI Internet Crime Complaint Center (IC3) reporting
- Equivalent regimes globally (UK Action Fraud, Canadian Anti-Fraud Centre, Australian ScamWatch)
What this does not do
PLENA Identity Theft & Fraud Recovery does not recover stolen funds. It does not identify perpetrators. It does not prevent future identity theft. It does not freeze credit on the victim's behalf. It does not file reports for the victim. It documents.
Languages
Launches in PLENA's 8 live languages. Contact hello@joinplena.com for translator inquiries.
Related PLENA receipt grammar
For consumer-protection agencies, banking ombudsmen, credit bureaus, and identity-protection services
US FTC IdentityTheft.gov; state AGs; credit reporting agencies as receiving parties; banking ombudsmen; FBI IC3; UK Action Fraud, Canadian Anti-Fraud Centre, Australian ScamWatch; private identity-protection services as partnership candidates: PlenaProof welcomes pilot conversations.