1. IDENTITY THEFT:
Information for Personal Awareness, Response, Resources
2. Identity Theft A Rapidly Growing Problem in America!
What is it?
How is it done?
How can You protect yourself?
What to do if this should happen to You!
Trans Union reported 35,235 complaints of ID theft
Trans Union reported 522,922 complaints.
U.S. Secret Service reported ID Theft losses $745m.
Social Security Administration reported more than 39,000 cases of SSN abuse.
Fed Trade Commission reported 700,000 victims of ID theft
Independent study found 1 in 5 Americans victimized.
On average, victims spend 175 hours and $808 to clear name Scope of the Problem?
4. What is it? Identity Fraud/Theft
the obtaining of another person’s identity for the purpose of obtaining goods and/or services in that person’s name.
The affects of this can range from bad credit to catastrophic!!!
5. Why is it increasing? Easy to accomplish.
Hard to identify /catch the culprit.
Can use your identity to facilitate a variety of crimes.
6. Most common ways to… steal?
Theft of SSN
Theft of Credit Card Numbers
Theft of Driver’s License
(The internet greatly aids these criminals)
7. How info obtained? The old fashion way of stealing your wallet, usually containing your Driver’s license (DOB), SSN, and valid credit cards (all these contain your name).
Trashing-Stealing credit card receipts from business trash cans.
From USG documentation.
The Internet opens numerous doors for these criminals.
8. In the electronic era, your “identity” begins and ends with your social security number.
An ID thief does not need your signature, fingerprints, photo, PIN’s, mother’s maiden name, or credit card expiration dates to exploit your name and credit reputation. How it Starts
9. Some credit card issuers will let you apply and be approved over the internet
They’ll want to know your name, ssn, address, employment history, salary, etc
Instant credit or correspondence via e-mail Applying for Credit
10. Now the “Bad Guy” can... Apply for several credit cards.
Open bank accounts and write “bad” checks.
Take out loans.
Rent an apartment/house.
Have utilities turned on.
Remember—All this is in YOUR NAME!
Big deal? You bet…credit and other issues could have an impact during security clearance background investigations.
11. It can happen to anyone. .
Interested in specifics?
One case in DoD involved 1300 victims around the world
2000 case on Okinawa resulted in GCM conviction of USN member who targeted at least three senior officers in his command.
Cases prosecuted in Federal Court?
12. NCIS Case - November 1999 Alerted to possible case targeting senior officers
Subject using ssn’s to open credit card accounts in Delaware
Obtained from Congressional record available on-line
4371 names and ssn’s listed
13. Investigation revealed 1301 victims (as of March 00)
All services, active duty and retired
181 Navy and Marine Corps
Some victims targets by multiple suspects
14. LE Response Task Force created. US Secret Service, NCIS, et al
NCIS id’d on-line threat in 1993!
ID’d 284 additional fraudulent accts in one day
ID’d 700 fraudulent accounts
Prevention of additional fraud
Financial institutions notified
Victims and potential victims notified by mail
15. Investigation results 3 arrests
Additional suspects under investigation
Loss at one bank - $1.5m
Credit issues for 1300+ victims
SSN’s still available on-line…
16. 5 steps to help protect yourself Add fraud alerts added to your credit file with the three major credit bureaus.
Remove your personal information from the major commercial marketing databases/lists.
Create an emergency phone list.
Learn the basics of internet security.
Implement basic security habits into your daily life.
17. Fraud Alerts… - provide the strongest protection against stolen identity credit thefts.
- Is a system wherein the creditor must call you personally concerning any credit applications submitted to ensure you applied for the credit.
- Is easy and free to accomplish!
- The credit bureaus do not publicize this service until after you have become a victim.
(WHY? They hope you will be able to obtain credit and instantly to induce buying impulses!)
18. How to initiate Fraud Alert: Send a letter that is 100 words or less.
Include all your identifying information to include a photocopy of your driver’s license and a utility bill to prove your current address. Equifax P.O. Box 740241 Atlanta, GA 30374-0250
Experian (Formerly TRW) P.O. Box 1017 Allen, TX 75013
Trans Union P.O. Box 390 Springfield, Pa. 19064
19. Remove yourself from Mailing Lists You can’t buy anything these days without having to file forms with personal information; such as warranty cards, registration card, etc.
This information is maintained for future mailing lists and sold to Direct Marketers.
Believe it or not, you control what information these mailing lists contain about you and whether or not they can use it, disseminate it, or maintain it.
To learn how to do this, contact:
20. Create an Emergency Phone List If you initiate Fraud Alerts, then virtually the only way to be victimized is the theft/loss of your valid credit (cards).
Create a list of emergency phone numbers to cancel your accounts with your various creditors. Account Numbers to have?
Keep this information in a safe place and not on your person.
21. Basic Security Habits Before giving out any personal information, ask yourself, “Do I really have to give out this information and why?”
Don’t answer personal questions on the Internet, WWW, or on the telephone unless you are certain the location/site is secure, or you know who is on the other end.
Don’t carry your SSN Card in your wallet or purse.
Resist the urge to place your SSN and other personal information on your checks.
22. Additional Steps You Can Take If you think you have been victimized…
Contact the Social Security Administration to determine possible use of your SSN for employment or benefits
Contact Telephone, Electrical, Gas and Water utilities to identify possible attempts to initiate service using your identity
Contact the U.S. State Department to determine if application has been made for a “new” passport.
23. Basic Internet Security The Internet is not the enemy of personal privacy--you just need to know how it works.
Encryption technology is used to secure web-sites. Never enter personal information on an unsecured web-site.
A secure web-site is easily identifiable.
In the top left corner of the browser the Internet address can be found starting with a http:// however on a secure web-site this will appear as https://
24. Other things to think about Shopping on-line
Other general information to consider
25. What if it happens to you? This is an issue that needs to be resolved for several reasons.
Your credit history may be impacted.
Your security clearance may be effected.
If you are victimized, anticipate working closely with law enforcement. Take note, however, that the involvement of law enforcement in your case may depend on the extent of victimization and available resources.
arrest and prosecution
clearing your name and history.
26. Prior to meeting with MPI/NCIS or other Law Enforcement agency Compile background information Law Enforcement will need:
27. Personal considerations Have you received un-solicited offers of pre-approved credit in the mail? Have you properly disposed of those you chose to?
Do you properly handle and dispose of financial or other mail containing your personal information?
Do you check out web sites before you order on-line? (Remember, anyone can create a web page…) Have you ordered and reviewed a copy of your credit history within the past 2 years?
Do you ask why when asked for your ssn or other personal information? Have you ever asked where that information is stored, how its protected, or who has access after you give it?
28. Resources Law Enforcement
29. Law Enforcement Resources including but not limited to: Camp S.D. Butler Provost Marshall – MPI: 645-7347
NCISRA Okinawa: 645-0506
U.S. Naval Criminal Investigative Service
U.S. Secret Service
FBI/Internet Complaint Center
National White Collar Crime Center
30. Other resources including but not limited to: Identity Theft Resource Center
Federal Trade Commission
Social Security Administration
U.S. State Department
Direct Marketing Association
31. Ordering on-line? Read the information on the web site thoroughly before you place your order… does it have spelling errors? Does it make claims that seem hard to believe? Do they have a telephone number and street address (not a PO Box).
Make certain the web site is secure before you enter your personal information or credit card number.
Shopping on-line with companies located in the United States may be easier to work with if there is a problem later.
After you place your order, print a copy of your order form.
Keep your password private
Check your credit card bills closely for several months after the transaction for unauthorized purchases.
Check your credit history once a year for any new accounts opened
32. Other considerations When shopping in public, use caution when providing credit card or other personal information.
Resist the temptation to put ssn and other personal info on checks.
Properly dispose of personal, financial or medical information by shredding, tearing up, etc.
Plan to get a copy of your credit report for review every two years – looking for accounts you didn’t establish.
Be wary of telephone calls soliciting personal or account information.
33. Remember, the best protection you have is your attention to your information