A presentation on identify theft presented at the Chicago Public Library in 2002. I discussed fair information principles, criminal fraud, financial fraud (credit card, bank, utility, loan fraud), case studies, statutes, Illinois statutes, united states code, and more. I also provided recommendations to avoid identity theft.
1. Identity theft involves criminals using someone's personal information like Social Security number or credit card to commit fraud.
2. There are several common types of identity theft including financial identity theft, medical identity theft, and criminal identity theft.
3. Identity theft costs billions of dollars each year and can take victims a long time and money to resolve. It is important for individuals and businesses to take steps to protect personal information and monitor for signs of identity theft.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
The document discusses the growing problem of identity theft in the United States. It defines identity theft and outlines some key statistics, such as over 340 million Americans having their identities stolen since 2005. It also discusses the different types of identity theft, including how thieves can steal identities to gain employment, file taxes, obtain loans and credit cards, or even be arrested for someone else's crimes. Lastly, it provides tips on how to deter, detect, and defend against identity theft by monitoring accounts and reports for fraudulent activity.
Identity theft occurs when someone steals someone else's personal information like credit card or Social Security numbers and uses it fraudulently. Thieves can get this information in many ways such as stealing mail, hacking computers, or scamming individuals out of their details. To prevent identity theft, people should shred documents with financial information, be careful what information they share online or over the phone, and monitor credit reports and financial statements regularly for any suspicious activity. If someone becomes a victim of identity theft, they should contact creditors to close fraudulent accounts, file a police report, place fraud alerts on credit reports, and contact identity theft assistance organizations.
Cyber Crime awareness series is for the public to facilitate recovery of identity theft and bring general awareness to the public and mitigate the risks associated with identity theft. Don't Become a Victim - Raise Your Shield.
Identity theft occurs when someone steals personal information like names, addresses, birth dates, social security numbers, etc. and uses it to impersonate the victim. This can be used to open credit cards and bank accounts, take loans, get medical treatment, and more all in the victim's name. Victims can face damaged credit, financial losses, and spend significant time repairing their credit and good name. Common ways identity thieves get information include dumpster diving, phishing emails/calls, hacking computers and networks, and data breaches at companies. Laws like the Identity Theft and Assumption Deterrence Act and the Information Technology Act in India make identity theft a crime and provide punishments. Victims should monitor accounts,
This document discusses identity theft, including what it is, common types, statistics, how it works, techniques used by thieves, warning signs, and ways to protect yourself. Identity theft involves someone pretending to be someone else by stealing personal information like Social Security numbers to access credit and benefits. It can be done through dumping trash for data, hacking, phishing scams, or insider access abuse. People should monitor accounts, use passwords safely, and place fraud alerts on credit reports to protect themselves from identity theft.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
1. Identity theft involves criminals using someone's personal information like Social Security number or credit card to commit fraud.
2. There are several common types of identity theft including financial identity theft, medical identity theft, and criminal identity theft.
3. Identity theft costs billions of dollars each year and can take victims a long time and money to resolve. It is important for individuals and businesses to take steps to protect personal information and monitor for signs of identity theft.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
The document discusses the growing problem of identity theft in the United States. It defines identity theft and outlines some key statistics, such as over 340 million Americans having their identities stolen since 2005. It also discusses the different types of identity theft, including how thieves can steal identities to gain employment, file taxes, obtain loans and credit cards, or even be arrested for someone else's crimes. Lastly, it provides tips on how to deter, detect, and defend against identity theft by monitoring accounts and reports for fraudulent activity.
Identity theft occurs when someone steals someone else's personal information like credit card or Social Security numbers and uses it fraudulently. Thieves can get this information in many ways such as stealing mail, hacking computers, or scamming individuals out of their details. To prevent identity theft, people should shred documents with financial information, be careful what information they share online or over the phone, and monitor credit reports and financial statements regularly for any suspicious activity. If someone becomes a victim of identity theft, they should contact creditors to close fraudulent accounts, file a police report, place fraud alerts on credit reports, and contact identity theft assistance organizations.
Cyber Crime awareness series is for the public to facilitate recovery of identity theft and bring general awareness to the public and mitigate the risks associated with identity theft. Don't Become a Victim - Raise Your Shield.
Identity theft occurs when someone steals personal information like names, addresses, birth dates, social security numbers, etc. and uses it to impersonate the victim. This can be used to open credit cards and bank accounts, take loans, get medical treatment, and more all in the victim's name. Victims can face damaged credit, financial losses, and spend significant time repairing their credit and good name. Common ways identity thieves get information include dumpster diving, phishing emails/calls, hacking computers and networks, and data breaches at companies. Laws like the Identity Theft and Assumption Deterrence Act and the Information Technology Act in India make identity theft a crime and provide punishments. Victims should monitor accounts,
This document discusses identity theft, including what it is, common types, statistics, how it works, techniques used by thieves, warning signs, and ways to protect yourself. Identity theft involves someone pretending to be someone else by stealing personal information like Social Security numbers to access credit and benefits. It can be done through dumping trash for data, hacking, phishing scams, or insider access abuse. People should monitor accounts, use passwords safely, and place fraud alerts on credit reports to protect themselves from identity theft.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
IDShield offers one of the most comprehensive products on the market for protecting and restoring your identity. The following is a list of IDShield’s specific services and features.
The document discusses the issue of identity theft, providing statistics on its prevalence, how identity thieves operate, and tips to minimize risk. It notes that 1 in 5 families have been victims of identity theft, with millions of victims annually and billions lost each year. Common ways identity thieves steal information include retrieving discarded documents, stealing mail, and shouldering surfing. The document advises carrying only necessary identification, shredding documents, being wary of phone calls requesting information, and monitoring accounts regularly. It also outlines steps to take if one becomes a victim of identity theft.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document discusses protecting personal identity in the age of increased information tracking. It outlines the risks of identity theft, how thieves steal identities, and statistics on identity theft victims. Key points include that identity theft costs the US economy an estimated $100 billion annually, 47% of victims in 2015 experienced tax or wage-related identity theft, and children and the elderly are particularly vulnerable targets. The document provides tips on reducing identity theft risks and resolving identity theft issues.
Scott Tolstad of the Escondido Police Department explains different ways senior citizens are scammed out of their money, particularly by thieves who steal identities. It's a valuable lesson for all of us, regardless of age, to know. Scott spoke during the June 7, 2013 Glenner Symposium on Elder Abuse.
The document describes the services provided by IDShield to protect individuals against identity theft. It outlines three main services: (1) Monitoring from multiple sources to detect any changes to a member's identity status and provide immediate updates (2) Unlimited access to identity specialists and private investigators for counseling, advice and emergency assistance (3) Complete restoration of a member's identity if compromised, using Kroll's private investigators and up to $5 million for related services.
The document summarizes identity theft, including what it is, common types, costs to victims and businesses, industry responses, laws, and services that can help prevent and resolve identity theft issues. It discusses identity theft involving drivers licenses, social security numbers, medical records, finances, and criminal records. It outlines costs to victims in time and money spent resolving identity issues and costs to businesses in fines and lawsuits. Laws discussed include FACTA, HIPAA, and the Gramm-Leach-Bliley Act. Services mentioned include monitoring, resolution, restoration, and a comprehensive identity theft protection plan.
Identity theft involves someone using personal information like Social Security numbers and bank account details to commit fraud. Common types of identity theft are credit card fraud, phone or utility fraud, and bank fraud. If you become a victim, you should file a police report, contact the credit bureaus to place a fraud alert on your accounts, and contact any creditors where fraudulent activity occurred. To reduce risk, be careful with personal information and shred documents with private details before throwing them away.
The document discusses identity theft and provides information on:
1) The different types of identity theft including drivers license, social security, medical, financial, and criminal identity theft.
2) The costs of identity theft to both individuals and businesses, including average fraudulent charges of $92,893 per individual and up to 600 work hours spent resolving identity theft issues.
3) Important legislation around identity theft including FACTA, HIPAA, and the Gramm-Leach-Bliley Act and the penalties organizations can face for non-compliance.
4) Current industry responses to identity theft like reimbursement policies, monitoring services, and resolution services and their limitations in fully addressing the problem.
5) The
Get Protected Today!
Enroll:
https://www.legalshield.com/hub/antoniamcclammy
Identity theft is the number 1 white collar crime in North America! It has been the #1 complaint by consumers to the FTC for 15 straight years. Our firm provides the TOTAL solution for this growing pandemic.
IDShield is a comprehensive identity theft protection service that monitors the information that matters, offers unlimited consultation on how to protect your information, and provides complete restoration by licensed private investigators in case your identity is compromised.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, be careful about sharing information, use strong passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and close any fraudulent accounts.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, protect their Social Security number, use secure passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and file police reports.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, protect their Social Security number, use secure passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and file police reports.
Identity Fraud and How to Protect YourselfBarry Caplin
Identity theft occurs when someone steals personal information such as social security numbers, bank account numbers, or credit card numbers from another person and uses that information without permission to commit fraud or theft. Common ways identity thieves get personal information include stealing wallets and mail, hacking computers, and "phishing" scams. If you believe you are a victim of identity theft, you should contact one of the three major credit bureaus, close any fraudulent accounts, file a police report, and file an identity theft complaint with the Federal Trade Commission. There are also steps you can take to protect yourself such as shredding documents with personal information, being cautious about sharing information online and over the phone, and monitoring credit reports and bank statements
In the no so distant past, individuals didn't stress much when they lost a charge card or discarded a bill. They knew they could contact their loan bosses and rectify it before long. In any case, today, you might be a casualty of Identity theft fraud and not know it. This pernicious wrongdoing is likewise difficult to indict on the grounds that it's hard to distinguish and find the culprit.
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This document provides information on identity theft risks and prevention strategies. It begins with a quiz to assess identity theft risk based on personal security habits. It then discusses common ways identity thieves steal information, such as through stolen mail, online data breaches, and improper disposal of personal documents. Specific identity theft risks like medical, tax, and child identity theft are covered. The document recommends numerous strategies to reduce identity theft risk, including shredding documents, minimizing carried personal information, monitoring credit reports, and being wary of phishing scams. Resources for responding to identity theft are also provided.
This document discusses privacy and the evolution of privacy laws related to the internet and technology. It covers topics such as who has access to personal information, definitions of privacy, key privacy laws over time including the EU Privacy Directive, and recent privacy legislation regarding issues like data breaches, spyware, and protecting personal information online.
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Ähnlich wie 2002 Identity Theft Chicago Public Library
IDShield offers one of the most comprehensive products on the market for protecting and restoring your identity. The following is a list of IDShield’s specific services and features.
The document discusses the issue of identity theft, providing statistics on its prevalence, how identity thieves operate, and tips to minimize risk. It notes that 1 in 5 families have been victims of identity theft, with millions of victims annually and billions lost each year. Common ways identity thieves steal information include retrieving discarded documents, stealing mail, and shouldering surfing. The document advises carrying only necessary identification, shredding documents, being wary of phone calls requesting information, and monitoring accounts regularly. It also outlines steps to take if one becomes a victim of identity theft.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document discusses protecting personal identity in the age of increased information tracking. It outlines the risks of identity theft, how thieves steal identities, and statistics on identity theft victims. Key points include that identity theft costs the US economy an estimated $100 billion annually, 47% of victims in 2015 experienced tax or wage-related identity theft, and children and the elderly are particularly vulnerable targets. The document provides tips on reducing identity theft risks and resolving identity theft issues.
Scott Tolstad of the Escondido Police Department explains different ways senior citizens are scammed out of their money, particularly by thieves who steal identities. It's a valuable lesson for all of us, regardless of age, to know. Scott spoke during the June 7, 2013 Glenner Symposium on Elder Abuse.
The document describes the services provided by IDShield to protect individuals against identity theft. It outlines three main services: (1) Monitoring from multiple sources to detect any changes to a member's identity status and provide immediate updates (2) Unlimited access to identity specialists and private investigators for counseling, advice and emergency assistance (3) Complete restoration of a member's identity if compromised, using Kroll's private investigators and up to $5 million for related services.
The document summarizes identity theft, including what it is, common types, costs to victims and businesses, industry responses, laws, and services that can help prevent and resolve identity theft issues. It discusses identity theft involving drivers licenses, social security numbers, medical records, finances, and criminal records. It outlines costs to victims in time and money spent resolving identity issues and costs to businesses in fines and lawsuits. Laws discussed include FACTA, HIPAA, and the Gramm-Leach-Bliley Act. Services mentioned include monitoring, resolution, restoration, and a comprehensive identity theft protection plan.
Identity theft involves someone using personal information like Social Security numbers and bank account details to commit fraud. Common types of identity theft are credit card fraud, phone or utility fraud, and bank fraud. If you become a victim, you should file a police report, contact the credit bureaus to place a fraud alert on your accounts, and contact any creditors where fraudulent activity occurred. To reduce risk, be careful with personal information and shred documents with private details before throwing them away.
The document discusses identity theft and provides information on:
1) The different types of identity theft including drivers license, social security, medical, financial, and criminal identity theft.
2) The costs of identity theft to both individuals and businesses, including average fraudulent charges of $92,893 per individual and up to 600 work hours spent resolving identity theft issues.
3) Important legislation around identity theft including FACTA, HIPAA, and the Gramm-Leach-Bliley Act and the penalties organizations can face for non-compliance.
4) Current industry responses to identity theft like reimbursement policies, monitoring services, and resolution services and their limitations in fully addressing the problem.
5) The
Get Protected Today!
Enroll:
https://www.legalshield.com/hub/antoniamcclammy
Identity theft is the number 1 white collar crime in North America! It has been the #1 complaint by consumers to the FTC for 15 straight years. Our firm provides the TOTAL solution for this growing pandemic.
IDShield is a comprehensive identity theft protection service that monitors the information that matters, offers unlimited consultation on how to protect your information, and provides complete restoration by licensed private investigators in case your identity is compromised.
During this workshop, Mr. Taylor will be discussing
how this growing crime is affecting individuals, families and small businesses.
Never before has there been a greater need for understanding identity theft and its impact.
In the workshop you will:
• Learn what ID Theft is and how to minimize the devastating effects
• Be introduced to the major types of identity theft
• Learn how to better protect personal and small business information
• Learn about restoration services and credit monitoring plans
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, be careful about sharing information, use strong passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and close any fraudulent accounts.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, protect their Social Security number, use secure passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and file police reports.
This presentation discusses identity theft, how it occurs, and how to prevent and respond to it. Identity theft happens when someone steals personal information like Social Security numbers or credit card numbers and uses them fraudulently. Thieves may go through trash, steal mail or wallets, or use phishing emails to get information. To prevent identity theft, people should shred documents, protect their Social Security number, use secure passwords, and monitor accounts. If theft is suspected, people should place fraud alerts on credit reports and file police reports.
Identity Fraud and How to Protect YourselfBarry Caplin
Identity theft occurs when someone steals personal information such as social security numbers, bank account numbers, or credit card numbers from another person and uses that information without permission to commit fraud or theft. Common ways identity thieves get personal information include stealing wallets and mail, hacking computers, and "phishing" scams. If you believe you are a victim of identity theft, you should contact one of the three major credit bureaus, close any fraudulent accounts, file a police report, and file an identity theft complaint with the Federal Trade Commission. There are also steps you can take to protect yourself such as shredding documents with personal information, being cautious about sharing information online and over the phone, and monitoring credit reports and bank statements
In the no so distant past, individuals didn't stress much when they lost a charge card or discarded a bill. They knew they could contact their loan bosses and rectify it before long. In any case, today, you might be a casualty of Identity theft fraud and not know it. This pernicious wrongdoing is likewise difficult to indict on the grounds that it's hard to distinguish and find the culprit.
Data Breach Notifications Laws - Time for a Pimp Slap Presented by Steve Werb...Steve Werby
Data breach notification laws have proliferated worldwide, beginning with California’s law, which was enacted nearly a decade ago. As a result, citizens are being bombarded by breach notifications and media coverage of data exposures has skyrocketed. But are these increasingly onerous laws leading to stronger information security and better decisions by citizens or are they backfiring? I’ll compare existing laws, analyze data breach notifications and explore the effects of these laws, including feedback from citizens and information security professionals. By comparing data exposure disclosure to other negative events that don't require disclosure and sharing alternate disclosure models, I'll leave the audience questioning whether there's a better way.
This document provides information on identity theft risks and prevention strategies. It begins with a quiz to assess identity theft risk based on personal security habits. It then discusses common ways identity thieves steal information, such as through stolen mail, online data breaches, and improper disposal of personal documents. Specific identity theft risks like medical, tax, and child identity theft are covered. The document recommends numerous strategies to reduce identity theft risk, including shredding documents, minimizing carried personal information, monitoring credit reports, and being wary of phishing scams. Resources for responding to identity theft are also provided.
This document discusses privacy and the evolution of privacy laws related to the internet and technology. It covers topics such as who has access to personal information, definitions of privacy, key privacy laws over time including the EU Privacy Directive, and recent privacy legislation regarding issues like data breaches, spyware, and protecting personal information online.
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2. Introduction
1997 Quinnipiac University School of Law
J.D., magna cum laude
2001, Adjunct Professor
University of Connecticut School of Law
2002, Adjunct Professor
John Marshall Law School
4. Identity Theft Statistics
• From November 1999 through December
2000, the FTC hotline processed 40,000
entries from consumers and victims of ID
Theft
• 69% of these were victims complaints
(nearly 28,000)
5. Identity Theft Statistics
• 14 months - The average amount of time to
notice ID Theft
• Only 35% noticed in one month
6. What is Identity Theft?
• Privacy
• Criminal
• Financial
• Misappropriation
• Reputation
7. Privacy
• Personally Identifiable Information
• Opt-in versus Opt-out
• Privacy Policies
• Fair Information Practice Principles
• Notice
• Access
• Choice
• Security
8. Criminal Fraud
• Using identities to avoid criminal prosecution or
as identity when committing a crime and/or caught
• Can be used from traffic violations to felonies
• If they’re released from police custody, but don’t
appear, warrants issued
• It can happen to anyone
9. Financial Fraud
• Credit card fraud (50%)
– More than 50% of victims reported credit card fraud through either
an existing card being used or a new credit card account being
opened without authorization
• Bank fraud (16%)
– Opening an unauthorized checking or savings account in another
person's name or writes checks on someone else's account
• Utility fraud (25%)
– 25% of victims report having had an unauthorized account opened
in their name with a utility company
• Loan fraud (9%)
– An unauthorized loan is obtained
* Statistics obtained from FTC
10. Financial Fraud (cont’d)
Other forms of financial fraud
– Purchase or trade in securities or investments
– Lease
– Declare Bankruptcy
– Obtain Tax Refunds
– Obtain Medical Services
* Statistics obtained from FTC
11. Misappropriation
• Government Fraud (8%)
– Government benefits, government documents,
file tax returns
• Employment
• Internet Accounts
• Photos (Internet, and more)
12. Reputation
All of these forms of identity theft can easily
harm one’s reputation
Impact can be devastating
• Denied employment
• Driver’s license suspended or revoked
• Arrested or detained
14. Case Studies
• Financial - Western Union and Credit
• Criminal - Warrants out for arrest
• Misappropriation - Pictures
• Internet - Ebay
15. How Do They Do It?
• Very very easily
• All that is needed is SS#, DOB, and some other
information
• Can obtain false driver’s license or other ID
• Yes, can use different address - claim address
changed
16. How do they do it? (Part II)
Information can be accessed about you from
any number of sources…..
……Anywhere personally identifiable
information has been provided and/or
stored…..
17. How do they do it? (Part II)
Steal wallets/purses containing ID and cards
Steal your mail, statements, pre-approved
(remember opt-out), new checks, tax
information
Steal business records
18. How do they do it? (Part II)
Reroute mail by change of address forms
Rummage through trash (“dumpster diving”)
Recover personal information in your home
Personal Information shared on the Internet
Scams through email
Fraudulently obtain credit reports posing as
employer, landlord, etc.
21. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
"Personal identification document" means a birth certificate,
a drivers license, a State identification card, a public,
government, or private employment identification card, a
social security card, a firearm owner's identification
card, a credit card, a debit card, or a passport issued to or
on behalf of a person other than the offender, or any such
document made or altered in a manner that it purports to
have been made on behalf of or issued to another person or
by the authority of one who did not give that authority.
22. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
"Personal identifying information" means any of the
following information:
(1) A person's name;
(2) A person's address;
(3) A person's telephone number;
(4) A person's drivers license number or State of
Illinois identification card as assigned by the Secretary
of State of the State of Illinois or a similar agency of
another state;
(5) A person's Social Security number;
23. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
(6) A person's public, private, or government employer,
place of employment, or employment identification
number;
(7) The maiden name of a person's mother;
(8) The number assigned to a person's depository
account, savings account, or brokerage account;
24. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
(9) The number assigned to a person's credit or debit
card, commonly known as a "Visa Card", "Master Card",
"American Express Card", "Discover Card", or other
similar cards whether issued by a financial institution,
corporation, or business entity;
(10) Personal identification numbers;
(11) Electronic identification numbers;
(12) Digital signals;
(13) Any other numbers or information which can be
used to access a person's financial resources.
25. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
A person commits the offense of financial identity theft
when he or she knowingly uses any personal
identifying information or personal identification
document of another person to fraudulently obtain
credit, money, goods, services, or other property in the
name of the other person.
26. FINANCIAL IDENTITY THEFT AND ASSET
FORFEITURE LAW
Aggravated - to someone 60 years or older, or someone
disabled
30. Avoiding Identity Theft
• Identity Theft can happen to anyone
• Preventative steps can and should be taken
31. Preventative Measures
• INQUIRE about privacy policies - ask
how information will be used and/or be
shared
• ASK that information be kept
confidential
• KEEP information secure and in a safe
place
32. Preventative Measures
• SHRED all solicitations for credit cards, bank
accounts, insurance, etc.
• OPT-OUT of mailing lists
– 1-888-5-OPT-OUT (1-888-567-8688)
• DON’T DISPLAY personal identifying
information (ie SS#, DOB, Phone, CC#) to
merchants on checks
33. Preventative Measures
IF YOU lose your wallet or purse (or if it’s stolen),
request new account numbers for all of your cards
and accounts
34. Preventative Measures (cont’d)
MONITOR
– Mail
– Financial accounts
Monitor activity, if haven’t received call
– Credit Bureau Reports
Correct any and all inaccurate information, Check your report
once every year
37. Preventative Measures (cont’d)
ELECTRONIC PRECAUTIONS
– Update Virus Protection Software regularly (automate)
– Don’t download or click anything from strange email
– Use a firewall (particularly cable and DSL)
– Use a secure browser
– Use very strong passwords (quotes from books or poems)
– Delete personal information before discarding
– Secure all PDAs
– Website Privacy Policies
38. Preventative Measures (cont’d)
Unofficial TIPS
Avoid non-Bank ATMs
Collect all receipts (ie gas stations)
Pay cash for small purchases (avoid electronic signatures)
40. ERTID
Emergency Response to Identity Theft
Begin a Log…
– Write all names and numbers of people contacted
– Write all information found and from where or whom
– Write all activities completed, organize
Collect evidence
– Letters, correspondence
– Files
– Reports
41. ERTID
Emergency Response to Identity Theft
Contact all creditors and….
– Explain what has happened
– Request new account numbers (DON’T CANCEL)
– Verify address on file, request that don’t change unless
verified
– Change verifiable information to something out of
ordinary
42. ERTID (cont’d)
Emergency Response to Identity Theft
Contact all credit reporting agencies….
– Experian 1-888-397-3742
– Equifax at 1-800-270-3435
– Trans Union at 1-800-680-7289
Inform them and request fraud alert placed on your record
(temporary 90 day or more permanent, depends on
circumstances, consult professional)
43. ERTID (cont’d)
Emergency Response to Identity Theft
REPORT the incidents to the police
You must obtain police report and may have to do some convincing
Provide documentation
Ask if others in area, have them check FTC database
If multiple states involved, contact Secret Service or local Federal Bureau
of Investigation Office
44. ERTID (cont’d)
Emergency Response to Identity Theft
• REPORT the incidents to all vendors involved
and attempt to cancel transactions
• REPORT the incidents to the Federal Trade
Commission
– 1-877-ID-THEFT (1-800-438-4338)
– www.consumer.gov/idtheft
45. ERTID (cont’d)
Emergency Response to Identity Theft
Checking (to stop any checks being used)
Telecheck 1-800-710-9898 or 927-0188
Certegy, Inc. 1-800-437-5120
International Check Services 1-800-631-9656
Checking (to see if bad checks using your name)
SCAN 1-800-262-7771
47. Civil Remedies
• Statutes discussed do not yet provide civil right of
action
• Prosecution may pursue Imposter if identity
obtained, but again no civil recovery
• There do exist certain traditional torts that can be
explored depending upon circumstances
48. Resolving Disputes
• Unfavorable responses from vendors, credit cards
• Hasten resolution of issues, return of money, or
provisional credit
• Cooperation
• Consultation
• Experience, save time and frustration
• All experiences unique
49. Other Issues
• Fair Credit Reporting Act
– Delineates when and how credit bureaus may
disclose credit reports
– A company may obtain report IF YOU APPLY
for credit, insurance, employment, or to rent an
apartment
– Number of times requested can hurt rating
51. Notice
This presentation has been provided for informational purposes only. All
circumstances and cases of identity theft will be unique to each
individual. While general precautions have been provided, no legal
advice has been rendered. This publication should not be considered
legal advice or representation. Should you become a victim of identity
theft or have further questions, please do not hesitate to contact me
directly on a personal basis.
52. Contact Information
Charles Lee Mudd Jr
President, Privacy Resolutions P.C.
4710 North Virginia Avenue
Chicago, Illinois 60613
773.271.7600 (telephone)
773.989.4441 (facsimile)
cmudd@privacyresolutions.com
www.privacyresolutions.com