ID Theft Who are you

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ID Theft Who are you?

• Protecting your personal information
• and identity from fraud

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ID Theft Who are you?Our Agenda

• What is ID Theft?
• Fraud, who you calling a fraud?
• Not so Social Security Numbers
• What do you mean I'm not me?
• Stopping Identity loss
• Practicing Safer Surf
• Who ya gonna call?
• Questions?

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What is ID Theft?
The US Department of Justice defines identity
theft as ... all types of crime in which
someone wrongfully obtains and uses another
person's personal data in some way that involves
fraud or deception, typically for economic gain.
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ID Theft Methods

• Physical ID Theft
• criminals acquire your information through
  dumpster diving, fake credit card scams or even
  plain old burglary.

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ID Theft Methods

• Digital ID Theft
• Criminals acquire your info through a number of
  computer oriented methods including
• Phishing
• Spyware
• E-mail
• Website Hoaxing

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Physical MethodsDumpster Diving

• Trash is NOT private property
• Not the easiest ID Theft method overall
• Easiest to gather information like
• Bank records
• Preapproved credit card offers
• Old Checks

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Physical Methods''Shoulder Looks''

• Observation of a person to attain personal
  information
• Used to acquire
• ATM pins
• Phone numbers
• Addresses
• SSN
• Name

• Very easy for most ID Thieves

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Digital MethodsPhishing

• Fraudulent e-mail from banks
• Fake websites
• Relies on user not questioning why a website
  needs his/her information

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Digital Methods Spyware

• Watches while you work, surf or play.
• Reports personal information back to unknown
  masters.
• Can be installed by playing on your good
  intentions.

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How Your Identity Can Be Used

• Committing a criminal act as you.
• Creating a new credit/bank account in your name.
• Takes over an old credit/bank account.
• Performing fraudulent transactions.

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Fraud? Who you calling a Fraud?

• Identity Fraud puts who you are into question.
• Examples
• Forged IDs
• Forged bank/credit accounts under your name
• Forged medical cards

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Not so Social Security Numbers

• Social Security Numbers are the key way the
  government and other institutions track you as an
  individual.
• Changing Social Security Numbers is very
  difficult and hardly done.

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Not so Social Security Numbers

• Important SSN Questions

• Why do you need it?
• How will you protect my information?
• Who else will have access to this information?

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What do you mean I'm not Me?

• Cases of ID Theft are growing in number every
  year.
• The Federal Trade Commission is tasked with
  prosecuting these cases.

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Anomalous Results

• Check your credit report regularly for any
  anomalies like
• Credit accounts you didn't apply for.
• Denial of credit or loans.
• Debt collectors calling on products/services you
  did not purchase
• Charges on monthly statements you do not
  recognize..

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What do you mean I'm not me? - The good news

• Re-establishing credit and identity are long and
  painful processes but they are becoming easier
  to resolve than they were even 5 years ago.

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Stopping Identity Loss

• Id Theft is a preventable crime.
• Practice common sense to reduce your
  vulnerability

• Question the use of your personal information.
• Shred documents like cancelled checks, bank
  records, pre-approved credit offers, etc.
• Don't store personal info in a public place.
• Be aware that someone may be watching you both
  in real life and digitally.

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Practicing Safer Surf

• Internet related ID Theft is on the rise.
• Banking, online shopping, Internet social sites
  and web chat are all growing sources of ID Theft.
• Email and websites often ask for information that
  can expose you to risk.

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Practicing Safer Surf

• Beware of
• Banks or other legitimate businesses asking for
  your personal info especially information they
  should already have.
• Fly-by-night websites selling at
  too-good-to-believe prices.
• Emails from legitimate websites like Amazon or
  iTunes asking for your password or credit card.

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Who ya gonna call?

• If you think you are a victim of ID Theft here is
  what you need to do
• Call the three credit agencies and issue a fraud
  alert on your credit report ( You are entitled to
  a yearly, free report from each of the major
  credit agencies.)
• Close any accounts you believe were opened or
  tampered with fraudulently

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Who ya gonna call?

• If you think you are the victim of ID Theft here
  is what you need to do
• File a complaint with the Federal Trade
  Commission(FTC)
• File a report with your local police or police in
  the community where the identity theft took
  place. Give the police a copy of your FTC ID
  Theft complaint form. Get a copy of the police
  report.

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Who ya gonna call?

• Place a fraud alert on your credit reports, and
  review your credit reports

• Equifax
• 1-800-525-6285
• www.equifax.com
• P.O. Box 740241 Atlanta, GA 30374- 0241

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Who ya gonna call?

• Place a fraud alert on your credit reports, and
  review your credit reports.

• Experian
• 1-888-EXPERIAN (397-3742)
• www.experian.com
• P.O. Box 9532, Allen, TX 75013

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Who ya gonna call?

• Place a fraud alert on your credit reports, and
  review your credit reports

• TransUnion 1-800-680-7289
• www.transunion.com
• Fraud Victim Assistance Division
• P.O. Box 6790, Fullerton, CA 92834-6790

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Who ya gonna call?

• Close the accounts that you know, or believe,
  have been tampered with or opened fraudulently.
• For charges and debits on existing accounts, ask
  the representative to send you the company's
  fraud dispute forms.

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Who ya gonna call?

• Close the accounts that you know, or believe,
  have been tampered with or opened fraudulently.
• For new unauthorized accounts, ask if the company
  accepts the ID Theft Affidavit.
• If not, ask the representative to send you the
  company's fraud dispute forms.
• If the company already has reported these
  accounts or debts on your credit report, dispute
  this fraudulent information.

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Who ya gonna call?

• File a report with the Federal Trade Commission
• You can file a complaint on line at

• www.consumer.gov/idtheft.

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Who ya gonna call?

• File a report with the Federal Trade Commission
• If you don't have Internet access, call the
• FTC's Identity Theft Hotline,
• 1-877-IDTHEFT (438-4338)
• TTY 1-866-653- 4261
• or write Identity Theft Clearinghouse,
• Federal Trade Commission,
• 600 Pennsylvania Avenue,
• NW, Washington, DC 20580.

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Who ya gonna call?

• File a report with the Federal Trade Commission
• Be sure to call the Hotline to update your
  complaint if you have any additional information
  or problems.

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Who ya gonna call?

• File a report with your local police or the
  police in the community where the identity theft
  took place.

• Get a copy of the police report
• Enroll in the Ohio PASSPORT program (more info on
  PASSPORT is available at

• http//www.ag.state.oh.us/victim/idtheft/index.asp

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Questions?

• Further OSU resources
• http//safecomputing.osu.edu A plain language
  website that offers tips and information about a
  number of information security topics including
  ID Theft and Spyware.
• http//cio.osu.edu/buckeyesecure/ The
  BuckeyeSecure initiative is our in-house project
  to protect your sensitive data. You can go here
  to find out how OSU is working to protect you.