the federal employee service center identity-theft”
Post on 30-Dec-2015
23 Views
Preview:
DESCRIPTION
TRANSCRIPT
ID-Theft FaceOff
The Federal Employee Service Center IDENTITY-THEFT
FESC ID-Theft 2011
FESC ID-Theft 2011
FESC ID-Theft 2011
Five Startling facts about Identity Theft
Some 17% of U.S. consumers have fallen as Victims to Identity
Theft
Nearly 28% of American households have been affected by ID Theft as a consequence of a relations misfortune
Credit Card fraud accounts for 20% of all ID Theft cases.
Other major forms of ID Theft include selling of stolen personal information, such as Social Security and Bank account numbers.
Debit card fraud accounts for some 16% of ID Theft
cases.
FESC ID-Theft 2011
FESC ID-Theft 2011
What is Identity Theft?
Identity theft occurs when someone uses your personal
identifying information, such as your Name, Social Security number,
or Credit Card number, without your permission to commit fraud or
other crimes.
FESC ID-Theft 2011
FESC ID-Theft 2011
Fact!
The FTC states that as many as 9 million Americans have their identities stolen each year,
You or someone that you know may have experienced some form of Identity Theft.
The crime takes many forms:
Thieves may rent an apartment in your nameObtain a credit cardTelephone account, etc..
You may not know until it is too late. You need to run an annual
credit report each year!
FESC ID-Theft 2011
FESC ID-Theft 2011
Identity Theft is SERIOUS!
Some Identity Theft Victims can resolve problems quickly
Others spend Hundreds maybe Thousands to repair their good name and credit record
Lose out on Job opportunities
Denied loans for Education, Cars, Housing because of Negativity In some rare cases. You may even be arrested.
FESC ID-Theft 2011
FESC ID-Theft 2011
How do thieves steal your Identity?
Remember Your name, Social Security, Other Financial Account information
Skilled Thieves may use a variety of methods
Dumpster Diving
Skimming special storage device
Phishing Pretend to be Financial Institutions, send spam, pop-up
messages Changing Your Address Old-Fashion Stealing
FESC ID-Theft 2011
FESC ID-Theft 2011
Information from Businesses or other Institutions
Stealing records or information while on the job
Bribing an employee who has access to these records
Hacking these records
Conning information out of employees
FESC ID-Theft 2011
FESC ID-Theft 2011
Stealing your mail
Bank statements
Credit card offers
New Checks
Tax information
Credit reports by abusing their Employers authorized access
Posing as a land lord, employer, or someone else with legal access to your report
FESC ID-Theft 2011
FESC ID-Theft 2011
Swipe your card for an actual purchase
Attach a device to an ATM machine
Strangers who enter you home
Steal info thru emails
Phone posing as legitimate companies that you have a problem with account Phishing online or Pretexting by phone
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity Theft
Medical Identity Theft is a twist on traditional identity theft, which happens when someone steals your personal information..
Like traditional Identity Theft, Medical ID Theft can affect
your finances, but it can also take a toll on your
health.
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity Theft Ill Effects
You get a bill for medical services you didnt receive
A debt collector contacts you about medical debt you owe
You order a copy of your Credit Report and see Medical collection notices
Try to make legitimate insurance claims / Health Ins. Company Denies you
Denied Insurance because your medical records showed a condition
that you didnt have.
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity TheftEvery time a Thief uses your Identity
A medical record is created by the imposters medical Info.
Maybe created a:
Different Blood Type
An inaccurate history of drug or alcohol abuse
Test results that arent yours!
Or maybe a diagnosis of an illness, allergies, or condition that is not yours
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity Theft Prevention
Never give out you personal or medical information over the phone!
Always beware of Free healthcare services or products from providers where your ID is required
Always Shred your Medical, Prescriptions, and Physician statements. Review them regularly
Beware of Imposters! Might pose as an Ins. Co. Rep., Doctors office, Clinics, Pharmacies, Govt Employees
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity Theft
Safe Guard your Medical & Health Insurance Information
Secure medical / Health Ins. papers Drawer /Safe/Electronic
If asked for Ids, Social Security #, Ins acct Info. Asked if It will be shared.
Look at website privacies policies and read them, what others have access to the information
If you decide to share your info online; Look for (Lock Icon) on the browsers status or a URL that begins https. The S is for secure. Remember that email is not secure..
FESC ID-Theft 2011
FESC ID-Theft 2011
Fact: REVIEW YOUR HEALTH RECORDS!
The Health Insurance Portability and Accountability Act (HIPPA)
Rule you the right to copies of your records that are maintained by Insurance and Health care providers covered by the law.
Generally are required to give them to you with in 30 days.
You need to contact each provider, not like Credit Report Might
charge a fee! Keep track of communications, including copies of
postage, certified receipts, etc.
FESC ID-Theft 2011
FESC ID-Theft 2011
Obtain a Copy of Disclosures for you medical records from your
Health plan and providers
The law allows you to order one Free Copy of the accounting from each provider every 12 months!
The accounting is a record of:
The date of the disclosure
The name of the person or entity who received the information
brief description of the information disclosed
A brief statement of the purpose of the disclosure or copy of the Request for It
You want to follow& create the paper trail to be sure that is it accurate. www.hhs.gov/ocr
FESC ID-Theft 2011
FESC ID-Theft 2011
Health Care Identity Theft Bouncing Back!
File a complaint with the Federal Trade Commission online at www.ftccomplaintassistant.gov or by calling 1-877- ID-THEFT (438-4338) TTY 1-866-653-4261
File a report with the local Police, send copies to your Health plans Fraud Department. Notify the three credit reporting agencies. How to File a Police Report www.ftc.gov/idtheft/consumers/defend.html
Exercise you rights under HIPPA to correct errors! Write to your Carriers. You may want to include any claims in question on your statements, also your complete name and address along with a letter disputing the information. Send Certified
FESC ID-Theft 2011
FESC ID-Theft 2011
Fraud Alert Security Freeze
1) TransUnion: 1-800-680-7289 www.transunion.com Fraud Victim Assistance Division P.O. Box 6790, Fullerton, CA 92834-6790
2) Equifax: 1-800-525-6285 www.equifax.com P.O. Box 740241 Atlanta, GA 30374-0241
3) Experian: 1-6888-EXPERIAN ( 397-3742)www.experian.com P.O.
Box 9554 Allen, TX 75013
FESC ID-Theft 2011
FESC ID-Theft 2011
Security Freeze (Credit Freeze)
Is a warning to businesses or others who may use your credit file.
Locks down your credit, blocks access, makes it less likely for thief to open up new accounts
Placing a credit Freeze does not affect your score..
Remember!
Credit reporting companies are not required to Share a request for a Security Freeze as they are with a Fraud Alert
Some states Security freezes are Free for victims, in others, consumer must pay a fee of $10.00. Each credit reporting company also charges this fee.
If you have a valid police report about the theft; you can usually place or lift a freeze.
FESC ID-Theft 2011
ID-Theft Face-Off
FESC ID-Theft 2011
FESC ID-Theft 2011
Looks like trouble, Arent you wondering why youre suddenly getting phone calls about overdue bills for purchases you never made possible?
Someone has stolen your identity!
FESC ID-Theft 2011
FESC ID-Theft 2011
But dont lose your cool: in this game, you can get your identity
back- just by correctly answering a few true/false questions about
Identity Theft. Each time you get an answer correct, you can start
to put your identity back together. If you correctly answer six out
of eight questions, your full Identity is restored!
FESC ID-Theft 2011
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 1
If someone has stolen information about your financial accounts,
its best to wait for several weeks to see what they do with it
before taking any action?
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
If someone has stolen information about your financial accounts,
its best to wait for several weeks to see what they do with it
before taking any action?
FALSE
False is it! Your best step is to contact your credit card
companies and close your accounts. Also, talk with your bank about
whether to close other accounts or take other steps. And check out
www.consumer.gov/idtheft.
Question 1
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 2
If the stolen information includes your Social Security Number, you
can place an Initial Fraud Alert by calling one of the three
nationwide consumer reporting companies.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
If the stolen information includes your Social Security Number, you
can place an Initial Fraud Alert by calling one of the three
nationwide consumer reporting companies.
TRUE
Right on! Placing such an alert can help stop someone from opening
new accounts in your name.
Question 2
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 3
One of the best ways to protect your identity is by using online
passwords only you would know like your mothers maiden name or the
last four digits of your Social Security Number.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
One of the best ways to protect your identity is by using online
passwords only you would know like your mothers maiden name or the
last four digits of your Social Security Number.
FALSE
Indeed, thats an incorrect statement. Crooks can often find this
type of information about you and then, its So long, Identity! Its
better you use random numbers and letters, and commit them to
memory.
Question 3
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 4
The best way to get a free copy of your credit report is to file a
Freedom of information Act (FOIA) Request.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
The best way to get a free copy of your credit report is to file a
Freedom of information Act (FOIA) Request.
FALSE
You are so right! The Fair Credit Reporting Act allows you to ask
for and receive one free credit report from each of the three
nationwide credit reporting companies every 12 months.
Question 4
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 5
The name of the three nationwide consumer reporting companies
are Equinox, ExperiCorps, and TransAmerica.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
The name of the three nationwide consumer reporting companies
are Equinox, ExperiCorps, and TransAmerica.
FALSE
Good Eye! The actual names are Equifax, Experian, and TransUnion.
If youd like a free annual credit report, visit
annualcreditreport.com
Question 5
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 6
If the stolen information includes your drivers license or other
government-issued ID, all you need to do is create a facsimile
using a recent color photo.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
If the stolen information includes your drivers license or other
government-issued ID, all you need to do is create a facsimile
using a recent color photo.
FALSE
You got it that answer is false! You should immediately contact the
agency that issued the document, and follow its procedures to
cancel the stolen documents and get a replacement.
Question 6
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 7
Identity Theft refers only to the theft of Drivers licenses and
Name badges.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
Identity Theft refers only to the theft of Drivers licenses and
Name badges.
FALSE
BINGO! While those are types of identity theft, the term refers to
a bound variety of criminal misuses of your name, Social Security
Number, and Financial information.
Question 7
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 8
If someone has stolen your identity, and then you notice youre no
longer receiving bills from creditors, this is a sign that your
identity has been restored.
TRUEFALSE
FESC ID-Theft 2011
FESC ID-Theft 2011
Question 8
If someone has stolen your identity, and then you notice youre no
longer receiving bills from creditors, this is a sign that your
identity has been restored.
FALSE
Youre RIGHT! This is a false statement. If bills stop coming, it
may be a sign of Hijacking your identity, and changing the address
your bills are being sent to.
FESC ID-Theft 2011
Congratulations on regaining your Identity!
FESC ID-Theft 2011
FESC ID-Theft 2011
Thank You!The Federal Employee Service CenterServing Federal & Government Employees
1-(888)- 206-3352
www.FederalBenefitAnalysis.org
FESC ID-Theft 2011
FESC ID-Theft 2011
top related