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           INDEX




                                                                       AL
                                                                  RI
           Abdallah, Abraham, 21–27, 227
                                                            TE
                                                      MAKnow Your Customer requirements,
           Abrams, Martin, 73–74                              167–174
           Alghamdi, Ahmed, 128                         Patriot Act, 167–174
           al-Marri, Ali Saleh Kahlah, 80             Bank of America, 75, 176
           Alomari, Abdulaziz, 128                    Baptiste, Linus, 29
                                                    D

           Amazon.com                                 Batts, Judge Deborah, 19–20
              Fraud, 217                              Beales, Howard, 64
                                             TE


           American Bankers Association,              Bennett, Len, 104–105
                   172–174                            Berry, Michael, 43–44
              political donations, 191                Biegelman, Martin
                                     GH




           American Express,                            arrest of Abraham Abdallah, 24
              chargebacks, 69                           early ID theft work, 75–76, 163–165
              convenience checks, 87                  Billing-Error-Online.com, 210–211
              use of stolen credit cards, 16          bin Laden, Osama, 78
                                RI




           American Association of Motor Vehicle      Biometrics, 267–268
                   Administrators, 137                Blazing Saddles, 212
                         PY




           American Association of Retired Persons,   Brady Handgun Violence Protection Act,
                   59                                         138
           American Privacy Consultants, 243          Brewer, Contessa, 210
                  CO




           America’s Most Wanted, 43                  Bruguiere, Jean-Louis, 78
           Applied Digital Solutions, 267–268         Byrd, Malcolm, 37–41
           Askaw, Othniel Boaz, 138
           Atta, Mohammed, 128                        Caffrey, Aaron, 220
           Automobile insurance and credit reports,   California Identity Theft Data Base, 41
                   110                                Capital One
                                                        computer systems, 106
           BankAmericard, 74                            political donations, 191
           banks, see also individual corporation     CAPPS-II (Computer-Assisted Passenger
                  entries                                    Prescreening Program), 189–190,
             concerns about identity theft, 148              275



                                                                                                309
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      310   INDEX


            CardCops.com, 201                                   Fair Credit Reporting Act debate,
            CareerBuilder.com, 217                                    180–184
            Carnivore, 184–188 see also FBI entry under         overseas outsourcing of customer
                    law enforcement                                   service, 99–100
            Chargebacks, 47–50                                  profits, 98
            Child pornography, 220                              political donations, 191–193
            Citigroup, 50                                       sale of credit reports online, 108–109,
              ID theft advertising campaign, 67                       151
              political donations, 191                          speed of application procedures, 83
            Clements, Dan, 201                                  studies of inaccuracy in files, 94–95
            Common Cause, 191–192                               significant court rulings, 83–84
            Consumer Sentinel, 155–159                          sued by consumers, 120–121
            Consumers’ Union, 89, 94–95                         working conditions, 98–100
            Convenience checks, 87–90                           see also individual company entries
            Convertino, Richard, 123                          credit terminals, and vulnerability, 32,
            Counterfeit documents, see entries fake                   250–252
                    documents                                 cryptography, and the FBI, 186–188
            Cousin, Terry, 120                                Cummings, Philip, 27–32, 208
            Credit bureaus, see credit reporting agencies     Customer Identitfication Program, and
            Credit card fraud                                         banks, 171–174
              convenience checks, 87–90                       Customer service employees, and
              the Internet, 197–210                                   vulnerabilities, 1–21
              terrorism, 77–81
              use of encoders by criminals, 80, 223           Data Processors International, 70, 203
            Credit card issuers                               Davis, James, 138
              application screening procedures, 48            DCS1000, see Carnivore entry under FBI
              difficulty reporting fraud to, 70–71             Dirty Deeds, Done Dirt Cheap,
              giving cards to children, 48, 76                        229–232
              history of, 75                                  Discover
              making money from fraud via                        chargebacks, 69
                    chargebacks, 67–70                        DontSpyOn.Us, 190
              see also entries under individual corporation   Douglas, Robert 176, 227
                    names                                        pretexting, 229–243
            Credit freezes, 269–271                           Doyle, Bob, 21–27, 154
            Credit reports                                    Doyle, James, 22–23
              fraud alerts                                    criver’s license, see entry under fake
                 included in update to Fair Credit                    documents
                    Reporting Act, 183                        Dunn, Robert, 18–21
                 ineffective, 84–85
                 security freezes, 272                        Earthlink, 221
              sale online, 108                                Easton, Peter, 236–237
              mixed files, 101–102                             eBay.com
              reinvestigation of entries, 100–107               fraud, 213–216
              repollution, 103                                E-Oscar, 104 see also computer systems entry
            Credit Reporting Agencies, 91–121                        under credit reporting agencies
              dispute resolution computer systems,            Electronic Crimes Task Force, in New
                    100–107                                          York City, 154
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                                                                                           Index     311

           Electronic Privacy Information Center,       passports, 124
                   102, 185                             Social Security cards, 129
             CAPPS-II, 190                            fake escrow web sites, 212, 215
             complaints about credit reporting        Falcon fraud detection software, 71, 261,
                   agency Web sites, 108                     273
           Elmardoudi, Abdel-Ilah, 123–127            Federal Reserve Board
           Ellison, Larry, 23                           study of credit reporting agencies, 95
           Experian, 91–121                           Federal Express, 1
             consumer Web sites, 108                  Federal Trade Commission
             dispute resolution process, 100–107        2003 study on identity theft, 32, 67
             Fair Credit Reporting Act debate,          consumer complaints about credit
                   180–184                                   reporting agencies, 84–85
             fined by Federal Trade Commission, 112     Consumer Sentinel, 155–159
             history of, 119–120                        ID Theft Clearinghouse, 155–159
             legal disputes, 111–115                    legal battles with credit reporting
             lift services catalog, 114                      agencies, 111–115
             and Philip Cummings incident, 27–32        as point agency in ID theft fight,
             speed of application approvals, 83              154–156
           Equifax, 91–121                              online auction complaints, 213
             Fair Credit Reporting Act debate,          pretexting, 175–177
                   180–184                              Safeguard Rule, 177
             and political donations, 192–193           warnings about phisher e-mails, 212
             and ID theft solutions, 264
             and Philip Cummings incident, 27–32      Feinstein, Sen. Diane, 32–33
             dispute resolution process, 100–107      Ferguson, Charles and Martha, 249
             fined by Federal Trade Commission, 112   FICO score, 274
             history of, 115–116                      Fifth Third Bank, 13
             legal disputes, 111–115                  Financial Crimes Enforcement Network,
             profits from sale of credit reports to            170
                   consumers, 109                     Financial Modernization Act of 1999,
                                                              see Gramm-Leach-Bliley Act
           Fabozzi, Michael, 22–23, 26                Foley, Jay, 243–248, 266
           FAIR, 132                                  Foley, Linda, 50, 145
           Fair and Accurate Credit Transaction Act      and founding of the Identity Theft
                   (FACT-ACT) of 2003, 182–183                Resource Center, 243–248
           Fair Credit Reporting Act, 82–86           Ford Motor Credit, 27–28
             2003 debate, 179–184                     forensic accounting, 168
             disputes, 103–107                        Foundation for Taxpayers and Consumer
             fraud alerts, 84–86                              Rights, 226
             immunity, 96–97, 120                     Frank, Mari J., 58
             political donations, 190–193             fraud alerts, see entry under credit reports
           Fair, Issac, 273                           free credit reports, 182
           fake documents
             driver licenses, 15, 39, 129–132         Gartner
             birth certificates, 124, 129, 139           study of ID theft prosecutions, 32,
             Matricula Consular, 133–135                     145
             Mexican consular card, 133–135           Gary, Dearnear, 40
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      312   INDEX


            General Accounting Office                        purchase of homes via, 54–57
              credit reports, 95                            significant court rulings, 258–259
              investigation of driver’s license issuing     solutions, 256–283
                   agencies, 134–139                            biometrics, 266–270
              investigation of fake identification               law enforcement, 268–270
                   papers, 134–140                              passport cards, 269
              study of identity theft, 146–149                  credit freezes, 271–272
            Gervais, Mike, 228–229                          Trojan horses, 219–220
            Girard, Donald, 31                              Types of
            Givens, Beth, 42, 247                               criminal ID theft, 37–44
            Google.com, 208–109                                 family ID theft, 44–50
            Gramm-Leach-Bliley Act, 175–178                     child ID theft, 46–50, 252–255
            Gray, Mike, 152–153                                 at work, 50–53
            Great Universal Stores PLC, 119                     of the elderly, 57–60
            Green, Julian, 220                            Identity Theft Assistance Center, 107
            Greenspan, Alan                               Identity Theft and Assumption
              Fair Credit Reporting Act debate,                    Deterrence Act, 147, 154
                   183–84                                 Identity Theft Clearinghouse, 155–159
              remarks about credit card application       Identity Theft Resource Center,
                   screening procedures, 76                        145–147
                                                            history of, 244–248
            Haouari, Mokhtar, 79                          Indonesian hackers, 206–208
            Hasbrouck, Edward, 190                        information brokers, 16, 175–177,
            Henderson, Clay, 42                                    228–243
            Hernandez clan, 54–57                           asset location services, 232
            Hewitt, Detective Ed, 55                        backgrounding lawsuit targets, 231
            Hillebrand, Gail, 89                            and mass media, 233–235
            Hmimssa, Youssef, 122–130, 140                institutions targeted by ID thieves
            Hoar, Sean, 160–161                             customer service representatives, 1–21
            HNC Software, 71                                health care providers, 2
            Home National Bank, 197–198                     funeral homes, 12
            Hunter, Demorris, 43–44                       Insurance Risk Score, 274
                                                          Ishman, Mark, 70
            ID Analytics                                  Internet
              study of fraud rates, 72–74                   chat rooms, 202
              solutions to ID theft, 260–264                role in ID Theft, 194–227
            identity theft                                  data leaks in, 198–200
              adding cost to credit, 60–61
              chat rooms, 202–204                         Jackson, James Rinaldo, 1–21, 54, 175,
              divorce, 44–50                                     227
              emotional impact of, 36–37                  JetBlue Airlines, 189–190
              links to terrorism, 77–82                   Jorgenson, Barbara, 121
                 al Qaeda, 78–79
              methamphetamine addiction, 150–152          Know Your Customer, 169–174
              problems prosecuting, 141–166               Knudson, Sheri, 141–144
              purchase of cars via, 153                   Kopp, James, 138
              purchase of cell phones via, 141–144        Koubriti, Karim, 123
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                                                                                               Index    313

           Lachot, Bruce, 212                            Millenium plot to explode a bomb at Los
           Lamo, Adrian, 200                                    Angeles Airport, 33, 79–81, 223
           Lamar, Anthony Taylor, 35–36                  Mitnik, Kevin, 175
           Lallemand, Sienky, 44–46                      mixed file, see entry under credit report
           Law enforcement                               Monster.com, 217
             attempts to catch identity thieves,         MSNBC.com, 147, 188
                   141–156
             FBI                                         National Advocacy Center, 154
                Carnivore and Magic Lanterns,            National Crime Information Center,
                   184–188                                      156–158, 274
                identity theft arrests, 148              Nessel, Bari 50–53
                reporter’s notes subpoena, 200           New York Times, The, 200
             U.S. Attorney’s Office, 19                   Nigerians
                prosecutions, 160–161                      early experts, 163–165
             U.S. Postal Inspector’s Office, 161–165        ID theft instructors, 10
                “Crime of the 20th Century” video          in ID theft crime rings, 29–30
                   made with Abraham Abdallah, 22
             U.S. Secret Service, 59                     Orbach, Jerry 165
           Leach, Rep. Jim, 175–178,
             information brokers, 238–241                Patriot Act, 169–178
           Litan, Avivah, 73, 145                          Section 326 of, 169
             ID theft solutions, 265–266                 Public Interest Research Group, 82–83,
           Little, Eileen, 98                              study of credit report accuracy, 94
           Lormel, Dennis (FBI terrorism agent), 77      Phisher e-mails, 210–214
           Los Angeles International Airport, 33         preapproved applications, 75–76
           Los Angeles Identity Theft and Credit         preemption of state credit reporting laws,
                   Card Squad, 150                               179–184
                                                         Privacy Rights Clearinghouse, 247
           Maes, Robert, 152                             Poindexter, John, 184
           Magic Lantern, See Carnivore entry under      Potter, Jeremy, 46
                 FBI                                     Pretexting, 175–177
           Malfi, Ron, 134                                Pretty Good Privacy, 187
           Manning, Robert, 64                           Pritzker family, 117–119
           Markoff, John, 184                            Prtizker, Liesel, 118
           Marmon Group, The, 117                        Prtizker, Matthew, 118
           Massey, Stephen, 150–151
           MasterCard                                    Ramsey, JonBonet, 232–233
            chargebacks, 69                              Rapp, James and Regana, 232–236
           Matricula Consular, see entry under fake      RFID (Radio Frequency Identifier
                 documents                                      Devices), 267
           Matthews, Liesel, see Prtizker, Liesel          Privacy Rights Clearinghouse, 42
           MBNA, 51                                      reinvestigation of credit entries, see entry
           Meskini, Abdelghani, 80                              under of credit reports
           Meteromail, 119                               Retail Credit Co., 115
           Mexican Consular card, see entry under fake   repollution of credit reports, see entry
                 documents                                      under credit reports
           Mierzwinski, Edward, 82–83                    Ressam, Ahmed, 79–81
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      314   INDEX


            Rubin, Joe, 86                              Thompson, Vicky, 99
            Russia, as home base for con artists, 218   Ticketmaster, 118
            Rutherford, Charles, 141–144                Toole, Terra Donta, 54
                                                        Toney, Marcus, 44–47
            SafeSend, 133                               Total Information Awareness Program, 184
            Scarfo, Nicholas, 187                       TowerGroup, 53
            Schweitzer, Al, 230–243                     Tradelines, 113
            Screen Actor’s Guild, 3                     Trans Union, 91–121
            Semel, Terry, 1, 5                            dispute resolution process, 100–107
            Sensenbrenner, F. James, 172                  Fair Credit Reporting Act debate,
            September 11, 2001                                 180–184
              arrest of alleged Detroit-based             fined by Federal Trade Commission, 112
                   terrorists, 122–127                    history of, 116–119
              and banking, 168                            legal disputes, 111–115, 120–121
              role of identity theft in, 33, 79–81        Philip Cummings incident, 27–32
            Slepian, Dr,. Barnett, 139                    political donations, 191
            Smith, Richard, 221–222                       profits from sale of credit reports to
            Social Security Number                             consumers, 109
              theft of, 1                               Transportation Security Administration,
              to steal famous people’s money, 25               189–190
              used to steal cars, 11                    Trojan horses, 219–220
            Social Security Administration              Trusty, Tom, 206–208
              Master Death File, 139                    Treasury Department
            Soper, Rachel, 47–50                          Customer Identification Program,
            SoBig computer virus, 221                          170–174
            Spam, 221                                   TRW, 119, 121
            Spielberg, Stephen, 2–3
            Stolen goods via ID theft                   Union Tank Car Company, 116
              cars, 53–54                               University Club of Memphis, 7
              diamonds, 17                              U.S. Chamber of Commerce, 86
              homes, 53–57
              loans, 53                                 Video Vindicator, 223–226
            SunTrust Banks, 169                         Visa
            Szwak, David                                  chargebacks, 69
              protected credit files, 36
              lawsuits against credit reporting         Warner Bros., 1
                   agencies, 121, 248–252               Walsh, John, 43
              vulnerability of credit terminals, 32,    Waknine, Assaf, 228–236
                   250–252                              Wendy’s, 12–15
                                                        Western Union, 205–206
            Tate, Bill 237–241                          Winfrey, Oprah, 8, 23
            Teledata Communications Inc., 29–30         Winfrey, Vernon, 8
            Terrorism                                   Woods, Tiger 35–36
              linked to credit card fraud, 77–82
            Teter, Gordon, 12–15                        Yahoo Inc., 1
            Thomas, Jim, 54
            Thomas, Judy, 102–3, 121                    Zilterio, 194–198