Identity Theft: What if You Are a Victim?

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Presentation transcript:

Identity Theft: What if You Are a Victim? Ronald J. Leach

How can you recover if your identity is stolen? Credit reports Actions

How can you recover if your identity is stolen? Credit reports Actions OR

A man A plan A canal

A man A plan A canal Panama!

plan

Impersonation

Impersonation Sue Grafton’s “T is for Trespass” has an excellent story based on impersonation

Where were you when it happened? Not likely on a cruise ship.

Where were you when it happened?

Where were you when it happened?

Where were you when it happened?

Where were you when it happened?

Source: wikipedia.com

What happened?

Three Major Credit Report Companies: Equifax, Experian, TransUnion

Three Major Credit Report Companies: Equifax, Experian, TransUnion Each one can provide one free credit report per year. Cost is nothing, by Federal regulation!

How much does an annual credit report cost?

How much does a credit report cost? Nothing!

How much does an annual credit report cost? Nothing! AnnualCreditReport.com

First steps Contact financial institutions or companies Tell them you’re a victim of ID Theft Request a fraud alert from credit agencies Other help from hotels, cruise lines, …

Second steps Report the crime to your local police Get a copy of police report Keep copies for resolving complaints Contact FTC for information

Third steps: Check other records Retirement Mortgage Health …

Who to call

Who to call Was it ID Theft? Was it an ID breach?

Laws about Identity Theft Many countries have them Problems are regional, even global

Some companies specialize in ID theft repair Monthly reports Insurance policies Helpful expert information

ID Theft insurance Monetary loss Data and privacy loss Time to fix the problems

How much does a credit report cost? Nothing!

How much does a credit report cost? Nothing! AnnualCreditReport.com

Thank you!