Identity Theft is not just about Credit Cards! ID Theft is an international crime and access to an attorney may be critical What is Identity Theft?
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. Identity Theft includes:
Identity Theft is not just about Credit Cards! ID Theft is an international crime and access to an attorney may be critical Five Common Types of Identity Theft What is Identity Theft? Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character / Criminal Identity Theft
Thieves use your information to acquire a driver’s license in your name or claim to be you during a traffic stop
You could receive DWI, DUI, and other driving-related charges
Your driving privileges could be suspended or revoked
You could be arrested during a routine traffic stop for crimes you did not commit
What is Identity Theft?
What is Identity Theft? AARP Bulletin, February 2004 “ An 82-year-old grandmother, quit driving during the Truman administration.” In 2001 she “suddenly found herself in what she describes as a ‘ living hell ’ after one of her neighbors, arrested on drunk-driving charges … pretended to be her. ‘I was told there were warrants for my arrest … I was afraid to answer the phone’.”
Thieves use your SSN Identity to gain employment or to report income under your name
What is Identity Theft? Your SIN in Canada
Thieves take the income, but don’t pay the taxes, leaving you with the bill
Wanted criminals use your SSN Identity so they can get employment without being found
Illegal immigrants use your SSN Identity to gain employment.
Thieves and criminals use your SSN for employment, medical, financial, criminal, school, and other purposes.
What is Identity Theft? MSNBC, January 29, 2005 A Chicago woman “ applied for a job at a local Target department store and was denied . The reason? She already worked there – or rather, her Social Security number already worked there. Follow-up investigation revealed the same Social Security Number … used to obtain work at 37 other employers.” “ People need to wake up to this problem. They are destroying people’s credit, Social Security benefits, and everything else.”
Medical Identity Theft What is Identity Theft?
Thieves mask their criminal activity behind your identity
What is Identity Theft? after the September 11th terrorist attacks, it was determined that the attacks were funded in large part through fraudulently obtained credit cards, and nine of the terrorist operatives reportedly entered the United States using falsified visas and stolen or fraudulent identities.
What is Identity Theft? Character / Criminal Identity Theft A woman who identified herself as Alianiss Nunez Morales, 23, of Minnesota failed to stop at a stop sign before hitting a bus carrying 28 students from Lakeview School Four students were killed "THE ONLY NAME WE HAVE FOR HER IS THE NAME SHE GAVE US WHEN SHE WAS BOOKED," Officer Arnold said. -Minnesota Herald, February 22, 2008 -
They rack up outrageous charges on credit cards, take out new loans, and more
They destroy your credit, forcing you to pay higher rates
You could be held responsible for the debts incurred by the thieves in your name
Thieves use your information to open new accounts or to gain access to existing accounts
What is Identity Theft?
Financial Identity Theft What is Identity Theft?
What is Identity Theft? Character / Criminal Identity Theft What if they took… … a name out of a phone book in Iowa … a Driver’s License number out of a DMV data base … and YOUR Social Security number and CREATED a new person? -
What is Identity Theft? Character / Criminal Identity Theft It’s called SYNTHETIC or MOZAIC IDENTITY THEFT and it is becoming a nightmare! -
“ Thieves are so bold that they held a conference in Kiev, Ukraine, for people interested in breaking into this Growth Industry” How do they get your information? - USA Today
How do they get your information? Phishing Facts 886 – The average dollar loss per Phishing Victim (Gartner, Dec 17, 2007) 3.6 Billion – The total dollar loss of all phishing victims over a 1 year period (Gartner, Dec 17, 2007) 3.2 Million – The number of people who fell victims to phishing scams over that same 1 year period (Gartner, Dec 17, 2007) 8.5 Billion – The estimated number of phishing e-mails sent world-wide each month (SonicWALL, 2008) 32,414 – The number of phishing web sites that were operational in May 2008 (Anti-Phishing Working Group) New attack is now called Spear Phishing!
How do they get your information? The DataBased You Meet The DataBased You ™ ™
How do they get your information? Your Name 1000’s of aggregators Your Fingerprints and DNA FBI, State, and Local DBS Your Insurance Claims C.L.U.E. DBS, etc... Your Military Record DOD DBS Your Criminal History NCIC DBS Your Real Estate Deeds Clerks of Court DBS Your Legal History State and Federal Court DBS Your Credit History Credit Repositories’ DBS Your Birth Certificate Choice Point DBS, State, etc … Your Phone Number and Tracking Info 1000’s of aggregators Your Social Security Number SSA DBS Your Address 1000’s of DBS The DataBased You ™ Your Driver’s License # and Record – DMV DBS Your Medical Records MIB DBS, etc … Your Car Registration & Info DMV, Local Treasurer, On Star, etc … DBS
There will be a NEW Identity Theft victim every 2-3 seconds This Year!
Average length of time before you find out you are a victim is 12-18 months (FTC)
Over 53 BILLION dollars lost per year
The cost of Identity Theft MSNBC, February 2004 ID Theft Victims Face Tough Bank Fights*
In 2003, The Korinke family was sued by Homecoming Financial Network INC., a division of GMAC, for $75,000 , plus attorney fees.
In 2001, an imposter got hold of a line of credit, switched the address, and the Korinkes never received the outstanding bills.
Homecomings … claimed the Korinkes had been negligent. “The Korinkes were slow to discover and report the identity theft … as such, Korinke is liable for any and all sums attributed to his negligence .”**
*2/18/04 ** Pg.2 *** Pg. 3 NOTE: The FACTA law states clearly that the Korinke family must assume the liability in this case
“ The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit … accounts … To take advantage of the law’s consumer protection, you must: ”
send your letter so that it reaches the creditor within 60 days . If an identity thief changes the address on your account and you didn’t receive the bill, your dispute letter still must reach the creditor within 60 days of when the creditor would have mailed the bill .”* … or you could owe the money.
I am offering a FREE Business Risk Assessment to you and or your office staff.
The assessment will show how your business is exposed to potential penalties, fines and lawsuits as a result of not being compliant with FACTA, OSHA, FCRA, GLB, HIPAA & ADA. A series of simple multiple-choice questions are answered by you that leads to the creation of a report based on those answers.
This Assessment covers five areas of risk:
The Business Risk Assessment is accessed over the Internet.