Lesson 4 What to do if your Identity Is Stolen
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Lesson 4 What to do if your Identity Is Stolen

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    Lesson 4 What to do if your Identity Is Stolen Lesson 4 What to do if your Identity Is Stolen Presentation Transcript

    • Information Security
      Lesson 4
      What to do if your identity
      Is stolen
    • Close compromised accounts
      Call the security or fraud department
      Of each company – close the account
      Follow up the request in writing –
      send supporting documents
      Send all correspondence to your companies
      by certified mail with return receipt
    • Set Fraud Alerts
      What is a fraud alert?
      Helps prevent an identity thief
      from opening any more accounts in your name
      Two types:
      Initial – 90 days
      Fraudulent accounts, credit card theft
      Extended – 7 years
      Child id theft, criminal activity
    • Set Fraud Alerts
      Consumer reporting companies
      1-800-680-7289
      www.transunion.com
      1-888-experian (397-3742)
      www.experian.com
      1-800-525-6285
      www.equifax.com
    • Freeze your credit
      Fraud and freeze:
      what’s the difference?
      Fraud alert:
      • helps prevent thieves from opening
      new accounts
      • Prevents thieves from using
      existing accounts
    • Freeze your credit
      Freeze alert:
      • Prevents creditors and other third parties
      From accessing your credit report at all
      • Only companies who you already have an
      Existing relationship with may access your
      Credit report
    • Contact the authorities
      local
      authorities
      Federal bureau
      Of investigation
      www.fbi.gov
      Federal trade
      Commission
      www.ftc.gov
    • File a complaint with FTC
      Step 1: go to the official fTC Identity theft website
      http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/filing-a-report.html
      Step 2: click on the link to file a complaint
    • File a complaint with FTC
      Step 3: fill out the complaint form
      (follow the prompts)
    • File an Identity theft
      report with the Police
      1. Call the police department and let them know
      you identity has been stolen (follow their instructions)
      2. If possible attach a copy of your fTC ID theft complaint
      3. When finished Ask for a copy of the police report
      4. Keep all records in a safe and memorable place
    • File a report with the FBI
      Go to the fbi website and find a
      local field office
      http://www.fbi.gov/contact-us/field
    • More specifics
      Credit card/debit card theft
      • if violation reported within 2 business days:
      Losses limited to $50
      • After 2 business days but before 60 days:
      Losses limited to $500
      • After 60 days: Lose all your money!
    • More specifics
      Fraudulent checks
      Stop payment
      Close the account
      Have your bank contact the
      check verification company they use
    • More specifics
      Child identity theft
      • obtain a copy of your child’s credit report
      • contact local authorities, including the ftc
      • follow the same procedures as if your identity was stolen
    • More specifics
      Criminal violations
      Contact the police department that originally
      arrested the person using your identity
      File an impersonation report with the police or court
      Which issued the warrant
      Have the police department take a full set of
      Your fingerprints, photograph you, and make copies
      Of your photo identification documents
    • Identity theft wrap -up
      Detecting identity theft
      Removing potential identity theft opportunities
      Protecting information on your computer
      What to do if your identity is stolen
      Don’t be worried, but be alert!