Kroll...Identity Theft Program

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Have you heard of Kroll? Probably not...but did you know they are the world\'s premier risk consulting firm in the field of identity theft detection, mitigation and restoration.

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Kroll...Identity Theft Program

  1. 1. About KrollKroll Inc. provides a broadrange of investigative,intelligence, financial,security, and technologyservices to help clientsreduce risks, solveproblems and capitalize onopportunities.Headquartered in New Yorkwith more than 60 officeson six continents, Kroll hasa multidisciplinary corps ofmore than 3,000 employees andserves a global clientele of lawfirms, financial institutions,corporations, non-profitinstitutions, governmentagencies and individuals. – the most in the industry – to Since the relationship wasBased in Nashville, Tennessee, help victims of identity theft get established in 2003, Kroll’sKroll’s Fraud Solutions practice their lives back to normal. Kroll unmatched industry expertise,provides the most comprehensive Investigators do the bulk of the in conjunction with PPL’s Legalidentity theft solutions for work for the fraud victim—not Shield, has demonstrated with itsvictims that expect real answers just as a “counselor,” but by acting unparalleled coverage the powerand tangible help to restore on that person’s behalf. of the two programs.their identity, confidence, andreputation. Distinguished by their Kroll’s Licensed Investigatorsresounding knowledge of the civil come from varied backgroundsand criminal landscape, as well and qualifications, includingas state and federal regulations, criminal justice, psychology, Kroll Fraud SolutionsKroll’s Licensed Investigators insurance, collections, law 866 419 2052are dedicated individuals with enforcement, credit bureaus, www.krollfraudsolutions.comthousands of hours of experience and financial institutions. www.kroll.com For more information, visit www.krollfraudsolutions.com
  2. 2. INVESTIGATOR INSIGHT 5 Areas of Identity Theft 1. Social Security Number Theft Although never intended to be an all-purpose identifier, the Social Security number (SSN) has become a key component of an individual’s identity. The use of a victim’s SSN is found in many types of identity theft, including employment and tax fraud discussed here, and in other types of identity theft discussed below. Employment fraud occurs when another individual uses your SSN and other personal identifying information (PII) to obtain employment. This results in additional wages being reported to the Social Security Administration (SSA), and can result in a loss of unemployment and disability benefits if the thief claims them in your name. Tax issues can also arise when the employer reports the earned income to the Internal Revenue Service (IRS).Tax fraud frequently occurs in conjunction with employment fraud, where an individual uses your PII to obtain employment, and then also files taxes in your name, or it can occur as a separate instance where someone uses your PII to file taxes but doesn’t obtain employment. What can Kroll do? through reports and skip-trace searches 2. Medical Identity Theft Medical identity theft results from the fraudulent use of an individual’s PII, SSN, or health insurance information to obtain medical goods and services, money through insurance fraud, or insurance coverage for treatments. This may result in a number of problems for the victim that might include: a collection account for a past due bill, medical insurance filing errors, or distorted medical records that could affect future medical treatment. Medical identity theft is one of the more complicated and problematic types of identity theft that can occur. The reasons for these complications are mainly attributed to the lack of a central repository of medical history and the extensive privacy laws in relation to medical file disclosure. What can Kroll do? to their pre-theft status information belongs to someone other than you (if the record cannot be deleted) A service of the Investigators of Kroll Fraud Solutions These materials are derived from the research and discovery activities of Kroll Fraud Solutions’ Fraud Specialists and Licensed Investigators, and have been gathered from personal, historical, and aggregated experience performing specialized restoration services on behalf of Identity Theft victims. While believed to be accurate, these materials do not constitute legal advice, and are not guaranteed to be correct,1 complete or up-to-date. No part of this document may be reproduced, transmitted, transcribed, stored in a retrieval system, or translated into a language or computer language, in any form by any means, electronic, mechanical, optical, chemical, manual or otherwise, without the express written consent of Kroll Fraud Solutions. These materials are provided for informational purposes only.
  3. 3. Important information concerning seeking employment 3. Criminal Identity Theft Criminal identity theft occurs when an individual who is arrested for a crime or ticketed for a violation supplies the arresting officer with your PII. That may include your name, address, date of birth, or SSN. The imposter may even present a fake or stolen driver’s license to law imposter, fines may be assessed, court hearings scheduled, and arrest warrants issued for you without your knowledge. What can Kroll do? contact the law enforcement officials and courts involved to help the victim learn what is needed to dispute the charges. 4. Financial Identity Theft result in the establishment of new credit cards, loans of any type (payday loans, auto loans, mortgage loans, etc.), and bank accounts. It can also include the misuse of existing credit or debit cards, forgery of the victim’s signature on his or her stolen checks, and the creation of counterfeit leads to collection efforts against the victim. What can Kroll do? 5. Driver’s Livense Theft Theft of the actual driver’s license or exposure of the driver’s license number can result in identity theft. A perpetrator could tamper with the actual license, adding his or her photo, or could simply make a counterfeit license using part or all of the data found on the original license. For example, someone is stopped for a traffic violation and he or she gives the officer your name and driver’s license number. A violation will be associated with you, which could show up on background checks and potentially result in an arrest warrant. A driver’s license number can also be misused by someone who presents a bad check to a retailer and writes your driver’s license number on the check. This can prevent you from using your own legitimate checks. What can Kroll do? violations associated with the identity theft victim contact the law enforcement officials and courts involved to help the victim learn what is needed to dispute the charges a dispute to the appropriate check clearinghouse so that the victim is not pursued for payment and can successfully submit their own legitimate checks to retailers A service of the Investigators of Kroll Fraud Solutions These materials are derived from the research and discovery activities of Kroll Fraud Solutions’ Fraud Specialists and Licensed Investigators, and have been gathered from personal, historical, and aggregated experience performing specialized restoration services on behalf of Identity Theft victims. While believed to be accurate, these materials do not constitute legal advice, and are not guaranteed to be correct,2 complete or up-to-date. No part of this document may be reproduced, transmitted, transcribed, stored in a retrieval system, or translated into a language or computer language, in any form by any means, electronic, mechanical, optical, chemical, manual or otherwise, without the express written consent of Kroll Fraud Solutions. These materials are provided for informational purposes only.
  4. 4. INVESTIGATOR INSIGHT THE VALUE OF KROLL CONSULTATION Identity Theft Shield members don’t have to be a victim of identity theft to benefit from consultation from one of Kroll’s Fraud Investigators or Certified Fraud Restoration Specialists – any active member with a concern about his or her identity has access to consultation and assistance. When providing consultation regarding a member’s particular concern about a possible identity theft issue, Kroll Investigators go beyond the immediate situation to learn if there are other areas of potential exposure or damage that need to be addressed as well. For example: Consultation on a simple purse or wallet theft often provides more than members expect. They anticipate help with contacting their banks/credit card issuers, and perhaps placement of a fraud alert, but Kroll Investigators go further by giving insight into what other steps to take regarding the items stolen and how to be watchful for particular signs of possible identity theft. When Identity Theft Shield members call due to an event or indicator that their identity has been compromised, Kroll’s Investigator thoroughly reviews the situation with them. This review will determine the appropriate next steps to take—review of a skip-trace database, call to a creditor, placement of a fraud alert, etc. If a credit monitoring alert or a credit report review indicates an inquiry not initiated by the consumer, for example,the Investigator will help the member check with the creditor that reported the inquiry to determine if someone used the member’s personal identifiers to apply for credit. If so, steps are taken to undo the damage through Kroll’s enhanced restoration services. Here are some of the ways the Kroll can assist and provide guidance to members: • Consult on best practices for the use of a member’s Social Security/Social Insurance number and other Personal Identifying Information (PII) • Discuss best practices for financial transactions • Consult on best practices for consumer privacy • Discuss tactics and best practices while shopping and communicating online • Provide best practices knowledge for preventing ID Theft • Review consumer rights under federal and state law in the US or provincial law in Canada • Discuss tactics on how to best safeguard a minor child’s identity • Discuss best practices to effectively shield a recently deceased friend or family member from identity theft • Assist members in the event of a stolen/lost wallet • Consult in the event the member receives a data breach notification letter indicating his or her information has been compromised • Consult in the event the member receives abusive or harassing debt collection communication as a result of a stolen identity • Help with interpreting and analyzing the member’s credit report A service of the Investigators of Kroll Fraud Solutions These materials are derived from the research and discovery activities of Kroll Fraud Solutions’ Fraud Specialists and Licensed Investigators, and have been gathered from personal, historical, and aggregated experience performing specialized restoration services on behalf of Identity Theft victims. While believed to be accurate, these materials do not constitute legal advice, and are not guaranteed to be correct,1 complete or up-to-date. No part of this document may be reproduced, transmitted, transcribed, stored in a retrieval system, or translated into a language or computer language, in any form by any means, electronic, mechanical, optical, chemical, manual or otherwise, without the express written consent of Kroll Fraud Solutions.These materials are provided for informational purposes only.

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