Your ID, My ID AGA/ACFE Fraud and Technology Seminar October 17, 2007.
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Your ID, My ID AGA/ACFE Fraud and Technology Seminar October 17, 2007
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Transcript of Your ID, My ID AGA/ACFE Fraud and Technology Seminar October 17, 2007.
Your ID, My ID
AGA/ACFE
Fraud and Technology Seminar
October 17, 2007
What Crooks Look For:
PeoplePlacesThingsEvents
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 & Directions2D, 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 DatabaseFairly Robust Search Capabilities
Examples of Searches
Let’s Find Ross McDonaldName? 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
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?
3. File a complaint with the FTCo 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?
4. File a Report with your Local Policeo 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 If Your ID is Stolen?
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 Lookuphttp://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
Mapshttp://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
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
How Your ID Can Be Stolen
Any Questions?
