Naval Criminal Investigative Service Resident Agency Okinawa
Information for Personal Awareness, Response,
• A Rapidly Growing Problem
• What is it?
• How is it done?
• How can You protect
• What to do if this should
happen to You!
Scope of the Problem?
– 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
– 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
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!!!
Why is it increasing?
• Easy to accomplish.
• Hard to identify /catch the
• Can use your identity to
facilitate a variety of crimes.
Most common ways to… steal?
• Theft of SSN
• Theft of Credit Card Numbers
• Theft of Driver’s License
– (The internet greatly aids these criminals)
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
• From USG documentation.
• The Internet opens numerous doors for these
How it Starts
• 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
Applying for Credit
• 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
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.
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
• Cases prosecuted in Federal Court?
5 steps to help protect yourself
1. Add fraud alerts added to your credit file with the
three major credit bureaus.
2. Remove your personal information from the major
commercial marketing databases/lists.
3. Create an emergency phone list.
4. Learn the basics of internet security.
5. Implement basic security habits into your daily life.
Other things to think about
• Shopping on-line
• Other general information to consider
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.
– Our goal?
» arrest and prosecution
– your goal?
» clearing your name and history.
Prior to meeting with MPI/NCIS or
other Law Enforcement agency
Compile background information Law Enforcement will need:
• How did you discover the • ID by name, number any
fraud/theft? company you have
• Entire numbers for effected contacted.
accounts • Photocopies of any letters,
• Locations listed as home acct. statements, other
addresses correspondence received
• Locations applications by you on this.
presented • Any clues? (not guesses)
• Other Names used on
applications • Be prepared to assist the
Investigator or Agent!
• Have you received un-solicited • Have you ordered and reviewed
offers of pre-approved credit in a copy of your credit history
the mail? Have you properly within the past 2 years?
disposed of those you chose to? • Do you ask why when asked for
• Do you properly handle and your ssn or other personal
dispose of financial or other mail information? Have you ever
containing your personal asked where that information is
information? stored, how its protected, or
• Do you check out web sites who has access after you give
before you order on-line? it?
(Remember, anyone can create
a web page…)
• Law Enforcement
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
including but not limited to:
• Identity Theft Resource Center
• Federal Trade Commission
• Social Security Administration
• U.S. State Department
• Direct Marketing Association
• 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
• 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.
Remember, the best protection
you have is your attention to your