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Carol Kando-PinedaFederal Trade Commission
ckando at ftc.gov
Helping your patrons with Identity Theft
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17.6 million identity theft victims in 2014 (7% of US population)*
Nearly 400,000 complaints to the FTC in 2016
*U.S. Dept. of Justice, Bureau of Justice Statistics, Victims of Identity Theft, 2014 (September 2015)
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Consumer Sentinel Data Book 2017
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Types of IDT- Credit card- Tax- Medical- Child
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Examples of Misuse Impact on Victims
• Denial of credit/loans
• Denial of public benefits
• Denial of medical care
• Denial/loss of employment, housing
• Harassment by debt collectors
• Legal issues/arrest
• Stress/anxiety
• Recovery time/expense
• Open credit card accounts
• Open utility accounts
• Apply for a tax refund
• Get a loan
• Apply for employment
• Get medical care
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What to do
• Call the companies where you know fraud occurred
• Place a fraud alert on your credit report
• Report the crime to the FTC at IdentityTheft,.gov
• Might want to file police report
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What is a fraud alert?
• Initial fraud alert
– 90 days
– Renewable
– Entitles victim to one free credit report
– Call one of the three credit report agencies
• Equifax: 800-525-6285
• Experian: 888-397-3742
• TransUnion: 800-680-7289
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Prevention• Monitor your accounts.
• Review financial statements
• Watch for mail related to accounts you did not open.
• Monitor mail to ensure you receive statements you are expecting.
• Get your free annual credit report at www.annualcreditreport.com
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Tax Identity Theft
• Filing a fraudulent tax return using another person’s Social Security number
• Claiming someone else’s children as dependents
• Claiming a tax refund using a deceased taxpayer’s information
• Earning wages under another person’s Social Security number
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What to Do• Complete IRS Identity Theft Affidavit (Form
14039) [PDF]. Mail or fax the form according to the instructions
• File your refund and pay your taxes
• Place a fraud alert
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Medical Identity Theft
• Fraudulent use of another person’s personally identifiable information (PII) such as name, SSN, or protected health information (PHI)
• Often involves the thief obtaining medical goods and services.
– getting prescription
– obtaining healthcare services
– fraudulently billing insurance or Medicare
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What to Do• Ask health care provider for medical records
– You have a right to copies of your current medical files from each health care provider
– You may have to pay for the records
• Send the corrected record to your health care providers
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• Kids don’t usually have credit files
• Carnegie Mellon CyLab Study (2011)
• 10.2% SSN misuse
• 51 times higher than for adults (.2%)
• ID Analytics Study (2011)
• Children 7 times more likely to experience fraud than adults
• Kids in foster care have a harder time
Child identity theft
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• Request a manual search for your child's Social Security number
• Each credit bureau has its own process for this
• Request a freeze
What to do
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Credit freezes
• Credit freeze restricts access to your credit file
• New law – changes coming! Starting 9/21:
• Credit freezes will be free throughout US
• Free child credit freezes
• Year-long fraud alerts (not just 90 days any more)
• Credit reporting companies must each set up a page for fraud alerts and freezes
• For active duty military, free electronic credit monitoring
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• personal recovery plans• step-by-step advice• prefilled forms & letters
• free and secure access• chat & phone support• Spanish language site
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FTC.gov/bulkorder
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What to know, What to do
• Tips about id theft
• First steps for any type of id theft
• Refers to IdentityTheft.gov for additional steps, depending on info misused
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QUESTIONS?
FTC.gov/subscribe