Identity Crimes

Change of address form

Identity thieves can complete a ___________________ to divert your mail to another location.

Security Alert

A notice placed on a consumer file that alerts a recipient of a consumer report involving that consumer file that the consumer's identity may have been used without the consumer's consent to fraudulently obtain goods or services in the consumer's name.

Security Freeze

A notice placed on a consumer file that prohibits a consumer reporting agency from releasing a consumer report relating to the extension of credit involving that consumer file without the express authorization of the consumer.

Financial identifiers (examples)

Credit card numbers Bank account numbers Personal ID numbers Insurance account numbers

Business record theft

Identity thieves can get information from the workplace, in a practice known as ___________________, by stealing files out of offices where you are a customer, employee, patient or student, by bribing an employee who has access to your files, or by "hacking" into electronic files.

Proactive

Law enforcement agencies should be _________________ in their approach to educating the public about identity crime.

Personal identifiers (examples)

Name Date of birth Social security number Address Phone number Driver's license number Passport number

Shoulder surfing

Some identity thieves also engage in __________________: looking over your shoulder or from a nearby location as you enter you PIN at an ATM machine.

Fifth

Texas is ___________ in the nation in the number of instances of idenity crime reported to the FTC (this differs from what the instructor verbally told us-this is the info from the handout).

Spoofing

The creation of e-mails and websites that appear to belong to legitimate businesses such as established retail companies, financial institutions, and online auctions sites.

Identity crime

The theft or misuse of personal or financial identifiers in order to gain something of value and/or facilitate other criminal activity.

Experian, Trans Union, Equifax

What are the three major credit-reporting agencies?

TX Department of Public Safety

Who is responsible for the storage and expunction of criminal records?