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GUARDING AGAINST IDENTITY THEFT.ppt

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					GUARDING AGAINST IDENTITY
         THEFT



         COUNTY OF SUFFOLK
  OFFICE OF THE DISTRICT ATTORNEY

          THOMAS J. SPOTA
        DISTRICT ATTORNEY
              Presented by
     THE ECONOMIC CRIMES BUREAU
             (631) 853-4232
Assistant District Attorney
   Joseph T. Conley III
  Economic Crimes Bureau

   On behalf of the District
    Attorney Tom Spota, I
   welcome you to today’s
          program.
“My purse was stolen in December 1990. In February
 1991, I started getting notices of bounced checks.
 About a year later, I received information that someone
 using my identity had defaulted on a number of lease
 agreements and bought a car. In 1997, I learned that
 someone had been working under my Social Security
 number for a number of years. A man had been
 arrested and used my SSN on his arrest sheet. There’s a
 hit in the FBI computers for my SSN with a different
 name and gender. I can’t get credit because of this
 situation. I was denied a mortgage, employment, credit
 cards and medical care for my children. I’ve even had
 auto insurance denied, medical insurance and tuition
 assistance denied.”

            -From a consumer complaint to the FTC
                               January 2, 2001
       INFORMATION AGE
   Fantastic achievements
           Ways we communicate
           Share information
           Purchase goods


          OPPORTUNITY

          Criminals are creatures of
           OPPORTUNTITY

          Identity theft the fastest growing
           crime in the country
Total Identity Theft Records by
         Calendar Year
     250,000
                                          214,905
     200,000
                             161,836
     150,000                                        Requests for
                                       108,706      Information
     100,000      86,212                            Complaints
                           56,838
      50,000
               30,992
          0
               CY 2001     CY 2002      CY 2003
   Reported cases Increased 132% since 2002
   249% Increase in Complaints from 2001-2003
   These figures only reflect cases reported
Major Metropolitan Areas Ranking for
Fraud- Related Complaints
January 1 – December 31, 2003
1) Washington DC-MD-VA-WV         14) Los Angeles-Long Beach,
2) Seattle-Bellevue-Everett, WA       CA
3) San Diego, CA                  15) Boston, MA
4) Phoenix—Mesa, AZ               16) St. Louis, MO-IL
5) Tampa-St. Petersburg,          17) Philadelphia, PA-NJ
   Clearwater, FL                 18) Pittsburgh, PA
6) Oakland, CA                    19) Newark, NJ
7) Denver, CO                     20) Chicago, IL
8) Orange County, CA              21) Cleveland-Lorain-Elyria, OH
9) Dallas, TX                     22) Riverside- San Bernadino, CA
10) Baltimore, MD                 23) Detroit, MI
11) Atlanta, GA                   24) Miami, FL
12) Nassau-Suffolk, NY            25) New York, NY
13) Minneapolis-St. Paul, MN-WI   26) Houston, TX
How Can Identity
Theft Affect You?
Poor Credit Rating
  Denied   jobs

  Denied   loans

  Denied   leases

  Check   writing privileges
Financial Loss
Atypical victim’s financial losses
have been calculated to be as
high as $36,000
  Telephone  calls
  Notarized statements
  Loans
  Counseling fees
  Lost wages resulting from time
   taken off work
           Arrest
Tickets



Warrants
      TYPES OF INFORMATION
       THAT CAN BE STOLEN
   Names                  Birth certificates
   Address                Passports
   Date of birth          Driver’s license
   Telephone numbers      Mother’s maiden
                            name
   Social security
                           Credit card/Bank
    numbers                 account numbers
   Driver’s license       Telephone calling
    numbers                 cards
   Bank Cards             Pin codes
   HOW
IDENTITY
  THEFT
 OCCURS
Criminals Get Information
  Through Businesses
 Stealingrecords from
  employers
 Bribing an employee who
  has access to these records
 Hacking into the
  organization’s computers
 “Dumpster Diving”
 Criminals rummage through
 trash to obtain:
     Credit   card applications
     Bills
     Bank  statements
     Documents with other
      valuable information on
      them
               Theft
 Steal   wallets and purses
       containing   identification, credit
          cards, bank cards, checks
 Steal personal information
  from your home
 Steal mail from your mailbox
       Pre-approved     credit offers, new
          checks, bank statements, tax info.,
          social security info., etc.
       Solicit You
       Personally
 Criminals   pose as:
   Government  officials
   Legitimate business people
       Cablecompany
       Online provider

       Phone company
     DIVERT MAIL TO
  ANOTHER LOCATION
 Criminals complete a
  “change of address form”.

  Diverting   your mail to another
  location
       Who Is Committing These
               Crimes
   Prior Criminals
    Branching Out
   First Time Criminals
   Neighbors
   Co-workers
   Friends
   Family
  YOU CAN NEVER BE
      100% SAFE
     using your credit cards and
 Keep
 ATM cards.

 Use what you learn today to lower
 the chances of becoming a victim.
  Not trying to scare you
 We want to make
 you aware of things
 you can do to reduce
 the risk of becoming
 a victim
WAYS TO HELP
  PREVENT
 IDENTITY
   THEFT
BE WEARY ABOUT WHO
 YOU GIVE PERSONAL
  INFORMATION TO.
   Don’t give out personal information
    on the phone, through mail, or over
    the Internet unless:
          you  have initiated the contact
                      and
          you confirm who you are dealing
           with a legitimate representative or
           a legitimate organization
    DON’T BE SHY, ASK
      QUESTIONS!
       revealing any identifying
 Before
 information ask:
   Why  do you need it?
   How will it be used?
   How do you protect it from being
    stolen?
   What will happen if I don’t give it to
    you?
   Ask for a call back number?
    PLACE PASSWORDS ON
        ACCOUNTS
 CREDIT CARDS
 BANK ACCOUNTS

 PHONE ACCOUNTS


       AVOIDUSING EASILY AVAILABLE
       INFORMATION LIKE YOUR
       MOTHER’S MAIDEN NAME, YOUR
       BIRTH DATE, OR THE LAST FOUR
       DIDGETS OF YOUR SOCIAL
       SECURITY NUMBER
     KEEP YOUR VALUABLE
      INFORMATION SAFE
   Keep copies of credit cards, drivers
    license, passport, social security
    card, etc.

   Invest in a lockbox
       Keep these copies along with check books
        and bank account information in a
        lockbox in your home.
            Keep Alert
   Monitor the balances of your financial
    accounts
   Look for unexplained charges or
    withdrawals
   Receiving credit cards for which you did
    not apply
   Denial of credit for no apparent reason
   Receiving calls or mail from debt
    collectors about merchandise you did not
    buy
GUARD YOUR MAIL FROM
       THEFT
 Deposit outgoing mail in the post
  office collection boxes or at your
  local post office.
 Promptly remove mail from you
  mailbox
 If you plan on being away have a
  neighbor pick up your mail or call
  the U.S. Post Office at 1800-275-8777
  to ask for a vacation hold
  GUARD YOUR TRASH
    FROM THEFT
 Purchasea Shredder to
 SHREAD documents,
 receipts, and envelopes
 containing your valuable
 information.
          Popular Email Scams
   Record Update or Account Misuse
        Computers To The Rescue
   2003 - 72% of identity thefts were done offline
   Internet does allow for quicker notification
   Victims who discovered the fraud over the
    internet
       Average loss was $551.00
   Victims who discovered fraud after being
    notified by mailed statements
       Average loss was $4,543.00
         COMPUTER
        PROTECTION
   Use a firewall to limit uninvited access to
    your computer
   Don’t download files from strangers
             Opening such files can expose your computer
              to a virus or hijacking program
   Try not to store financial information on
    your computer
   Use a secure browser-software that
    encrypts or scrambles information you
    send over the internet
   Read website privacy policies
 IF YOUR IDENTITY HAS
     BEEN STOLEN
 Placea fraud alert on your credit
 reports

 View    your credit report

 Close   unauthorized accounts
      To Report Fraud
                   Call
 Equifax 1-800-525-6285
   Experian 1-888-Experian
   TransUnion 1-800-680-7289
   Call the Suffolk County DA’s office
    at (631) 853-4232
   Call the Police

All three reports will be sent free of charge
WHAT IS BEING DONE ABOUT
     THE PROBLEM?
 On October 2, 2002, the
 New York Legislature
 enacted legislation creating
 various levels of crimes for
 the possession or theft of
 “Personal Identifying
 Information.”
      Locally, the SCDAO is
    committed to combating the
        growing problem
   By creating a special unit comprised of
    prosecutorial and investigative staff to
    prosecute ID theft related cases.

   Educational Programs such as this are
    available upon request through the
    District Attorney’s Office
    Call the Suffolk County DA’s Office at
    (631) 853-4232
                     Resources
   Suffolk County District Attorney
       www.co.suffolk.ny.us/da/links.htm
   Federal Trade Commission
       www.consumer.gov/idtheft/
   United States Department of Justice
       www.usdoj.gov/criminal/fraud/idtheft.html
   United State Postal Service
       www.usps.com/postalinspectors/idthft_ncpw.htm
Thank You

				
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