Your ID, My ID AGA/ACFE Fraud and Technology Seminar October 17, 2007
People Places Things Events What Crooks Look For:
People • Many Different Search Capabilities • Free or Fee-For-Service • Addresses & Phone Numbers • Other Relations • A LOT of information is already tracked • A LOT of people know WHO YOU ARE
People • Yahoo People Search, White Pages, 411 • ZabaSearch • Intelius • Veromi • Reverse Look-ups • Phone Numbers • Addresses • Check Point, Lexis-Nexis
Places • Maps & Directions • 2D, 3D, & Arial • Place Names or Locations • Physical Addresses and Areas
Things • Topical Searches • Boolean Logic • Refine and Narrow Results • Acronyms and Aliases/AKAs • Common Misspellings
Events • Who, What, When, Where, How • Known Particulars & Facts • Possible/Plausible Circumstances • Boolean Logic • Welcome to the “Else’s” • Who Else, What Else, When Else, etc.
Boolean Logic • Mathematical in Nature • Use of “AND”, “OR”, and “NOT” • Also includes exact counterparts • “But Not” is synonymous with “And Not” Elements and Sets Use of Quotation Marks Use of Character Strings
SSN Death Index • SSDI Database • Fairly Robust Search Capabilities
Examples of Searches • Let’s Find Ross McDonald • Name? Address? Telephone Numbers? Other Info? • Which is the “right” Ross? • What Other Info is Available about Ross?
What If Your ID is Stolen? 1st Four Steps to Consider: 1. Place a Fraud Alert on your Credit Report o Review your Credit Reports • Once Fraud Alert Placed, You can get a copy of your credit report from each company • Ask Credit Reporting companies to only list your last 4 digits of your SSN on their reports
What If Your ID is Stolen? 2. Close Accounts that have been tampered with or fraudulently opened o Call the security or fraud department of each company which has the account o Send info via certified/return receipt mail o Never send originals, only copies o File a dispute on any charges in question
What If Your ID is Stolen? • File a complaint with the FTC o Use online form or call 1-877-ID THEFT o Sharing info with FTC allows sharing across all states o Provide copy of FTC complaint to police to include in their police report o Constitutes an ID Theft Report o Can be used to permanently block info from being filed on your credit report, ensures debts do not reappear on your credit report, prevents a company from attempting to collect on debts resulting from ID theft, and places an external fraud alert on your credit report.
What If Your ID is Stolen? • File a Report with your Local Police o Check also with AG Office o Bring FTC complaint, letters, and other supporting documentation o Ask that FTC complaint be incorporated in their report o Ask for copy of Local Police ID Theft Report o Use to dispute other instances, as they arise
What is a Fraud Alert Good For? Initial Fraud Alert is good for 90 days on Credit Reports o Keeps thief from opening new accounts Extended Fraud Alert is good for 7 years o Potential creditors MUST contact you directly o Consumer reporting agencies MUST remove your name from marketing lists for pre-screened offers for 5 years, unless you ask them to put you back on their lists
Search Engines • Google http://www.google.com/ • Yahoo http://www.yahoo.com/ • Dogpile http://www.dogpile.com/ • AltaVista http://www.altavista.com/ • WebCrawler http://www.webcrawler.com/ • MetaCrawler http://www.metacrawler.com/ • Lycos http://www.lycos.com/ • Ask http://www.ask.com/ • MSN http://www.msn.com/
People Look-Ups/Search/Finder • Yahoo People http://people.yahoo.com/ • AnyWho (AT&T) http://www.anywho.com/ • People Lookup http://www.peoplelookup.com/ • InfoSpace http://www.infospace.com/ • WhitePages http://www.whitepages.com/ • AOL People Lookup http://peopleconnection.aol.com/main/ • Veromi www.veromi.net • Intelius www.intelius.com • Zabasearch www.zabasearch.com
Reverse Look-Ups/Search/Finder • People Lookup http://www.peoplelookup.com/reverse-phone-lookup.html • MSN http://www.whitepages.com/reverse_address
Pay Sites • US Search http://www.ussearch.com/consumer/allproducts.jsp • CheckPoint Systems http://www.checkpointsystems.com/ • Lexis-Nexis http://global.lexisnexis.com/us • Searchsystems.net http://www.searchsystems.net/
Other Information • Maps http://maps.yahoo.com • News Sources Many, many, many • Business Look-up Dunn & Bradstreet, Manta, etc. • Internet Sites Whois • Old SSNs/Death Index http://ssdi.rootsweb.com
How Your ID Can Be Stolen • Readily Available Public Records • Purchased Records and Other Info • Credit Reports • Credit Offers – Email, Phone, Mail • Other Phone/Email/Mail Phishing Scams • Information from others, such as family
How Your ID Can Be Stolen • Interception of Records (electronic or hardcopy) • Legitimate Purchase of Records & Info • Stolen from a 3rd Party • Malware, Cookies, & Key Loggers • Compromised Websites • ISP Intrusions • Many Other Ways