Identity Theft

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Identity Theft

• Federal Bureau of Investigation
• Chicago Division

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Identity Theft

• Involves the unauthorized use of a victims
  personal identity or identifying information for
  criminal purposes.
• Such identifying information includes a persons
  social security number, date of birth, mothers
  maiden name, account numbers, addresses

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Identity Theft is a Facilitator

• It makes other crimes easier to commit.
• It is rarely the sole objective of the crime.

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Identity Theft is Big Money

• Estimated 47 Billion per year.
• Take out credit card fraud and its still almost
  33 Billion per year!

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Identity Theft is Everywhere
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Incidence of Identity Theft May 2002 May 2003
Source September 2003 Synovate Identity Theft
Survey report prepared for the Federal Trade
Commission
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Identity Theft in Illinois
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Methods of ObtainingFalse IDs

• Fraudulently obtained genuine documents
• Alterations made to genuine documents
• Counterfeit
• Desktop publishing technology
• Offset printing
• The Internet

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What about today????

• Google Search February 15, 2006 R\Fake ID
  Stuff\fake id - Google Search.htm
• Fake IDs R\Fake ID Stuff\Fake ID Cards created
  through TheIDShop, Novelty ID and False
  Identification.htm
• More R\Fake ID Stuff\Fake ID Cards.htm

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You Have Got To Be Kidding Me!

• More than 14,000 uncoordinated issuers of vital
  statistics in the US.
• Of the 50 states, 14 5 have open access on
  either a state and or local level to the birth
  certificates they archive.
• SSA Master Death Registry is sold!!

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Who are the victims???
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Two types of financial IDT(1) Account Takeovers

• Criminal assumes control of the victims existing
  accounts by
• Filing a change of address with issuers or post
  office to divert correspondence to commercial
  mail receiving agencies, vacant apartments, or
  other mail drops.
• Requesting the issuance of new credit
  cards/checks (either duplicate or adding
  authorized user).

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(2) New Accounts Fraud

• Victims identifying information is used to open
  new accounts by the identity thief.
• Far more difficult to detect.
• Can cause more damage in the long run.

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An ordinary ATM???
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Maybe Not!
As the skimmer is removed, you notice that part
ofan existing label on the ATM was partially
obscured(see the previous slide).
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The pinhole camera captures your pin number.
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PIN Pad
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ATM Skimmer
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Some Online Considerations

• Have I adequately secured my data?
• Before I give out my information, do I know where
  it is going and how it will be used?

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Some Things To WatchOut For Online

• Re-Shippers
• Overpayment Scams
• Hurricane Katrina frauds
• Check for the latest info on internet scams at
  www.LooksTooGoodToBeTrue.com

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Preventing Theft of Your Identity
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Minimize your risk!

• Before providing personal identifiers, know how
  it will be used and if it will be shared.
• Know your billing cycles and contact creditors
  when bills fail to show up.
• Place outgoing mail in collection boxes or the
  U.S. Post Office.
• Only carry essential identification cards.

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Minimize your risk! (cont.)

• Do not give personal info over the phone.
• Do not discard documents that contain personal
  identifiers or account info.
• Order copies of your credit report once a year.

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Warning Signs for Identity Theft victims

• Credit denied.
• Routine financial statements stop arriving in a
  timely manner.
• Receive phone calls from creditors on
  unrecognized accounts.

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Warning Signs for Identity Theft victims

• A new or renewed credit card is not received.
• Unauthorized charges on accounts.

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What to do if youre victimized . . .

• Step One Contact the fraud department for the
  three major credit bureaus
• Experian (TRW) 888-397-3742
• TransUnion 800-680-7289
• Equifax 800-525-6285
• Now One Call Does It All

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What to do if youre victimized contd.

• Step two Contact the account issuer in question
• Ask for the fraud/security department of the
  compromised or fraudulent account issuer.
• Notify them by phone and in writing.
• Close all tampered or fraudulent accounts.
• Ask about secondary cards.

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What to do if yourevictimized contd

• Third Step Contact your local police department
• Notify the police department in the community
  where the ID Theft occurred.
• Obtain copies of all police reports made.

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What to do if youre victimized contd.

• Keep a detailed log of all contacts
• Location called.
• Name of person(s) you spoke to
• Title and call back number with ext.
• Ask and write down what the procedures are for
  that entity.

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What to do if yourevictimized contd.

• Social Security Administration Fraud Hotline
• 800-269-0271
• Federal Trade Commission
• 877-FTC-HELP (1-877-ID-THEFT) or electronically
  at www.consumer.gov/idtheft

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If its an online issue . . .

• The FBIs Internet Crime Complaint Center
• www.IC3.gov

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www.cmiftf.org
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New Federal Legislation re Identity Theft

• Identity Theft Penalty Enhancement Act
• Two year enhancement
• Sentences run consecutively
• Fair and Accurate Credit Transactions (FACT) Act
• Empowers LE to gain information and protects
  consumers safeguard consumers information i.e.
  disposal and last 5 digits of ssan.
• Empowers consumers to clean up the credit BUT
  YOU NEED A POLICE REPORT.

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Thank You For Your Attention!Any Questions????

• SSA Maxwell D. Marker
• FBI Chicago
• [phone]
• Maxwell.Marker_at_ic.fbi.gov