Protecting Yourself from Identity Theft

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Protecting Yourself from Identity Theft"

Transcription

1 Protecting Yourself from Identity Theft About Medical Identity Theft and Health Information Breaches... 1 What is medical identity theft?... 1 What are the dangers of medical identity theft?... 1 How do I know if I am a victim of medical identity theft?... 1 How else can I protect myself if I am a victim of medical identity theft?... 2 About Identity Theft & Breach of Financial Information or Social Security Numbers (SSN). 2 How do I know if any my personal information has been used by someone else?... 2 Do I have to pay to run a credit report?... 2 How long does it take to get my credit report?... 2 What should I look for on my credit report?... 2 How often should I order new credit reports?... 3 Why can t I talk to someone at the credit bureaus?... 3 Fraud Alerts & Breaches of Financial Information or SSN... 3 What else can I do to protect myself from breaches?... 3 Is it okay to give my SSN when I call the credit bureau fraud line?... 3 Will a fraud alert stop me from using my credit cards?... 3 How long does a fraud alert last?... 4 What if I have a fraud alert on, but I want to apply for credit?... 4 I heard that I could freeze my credit files. How does that work?... 4 About Your SSN... 4 Should I contact the Social Security Administration to change my SSN?... 4 Closing Personal Accounts... 4 Should I close my bank account?... 4 Should I close my credit card or other accounts?... 4 Identity Theft of Minors and the Deceased... 5 I think my child, who is a minor, or my spouse, who is deceased, may be a victim of identity theft. What should I do? 5 What else can I do to protect myself?... 5 What happens if I find out I have been a victim of identity theft?... 5

2 About Medical Identity Theft and Health Information Breaches What is medical identity theft? Medical identity theft is when someone uses a person's name and sometimes other personal information -- such as insurance information -- without the person's knowledge or consent to obtain medical services or goods, or uses the person s identity information to make false claims for health care services or goods. Medical identity theft frequently results in wrong entries being put into medical records and can result in the creation of fake medical records in the victim s name. What are the dangers of medical identity theft? The most serious problem faced by victims is having someone else s health information in their medical record or health insurance records. To provide safe health care treatment, a health care provider needs correct health information for the individual being treated. A common problem faced by victims of medical identity theft is that they are charged for health care services that they did not get. How do I know if I am a victim of medical identity theft? Explanation of Benefits One way to know if you are a victim of identity theft is to look at any Explanation of Benefits sent by Community Health Plan or another insurance company. An Explanation of Benefits is a list of all the health care services provided under your health plan account number. It is sent to you after you or a family member gets health care services. If you have not been receiving Explanation of Benefits after going to the doctor, you may want to call your insurance company. Look for the following risks in your Explanation of Benefits and your medical records: Office visits you did not make. Health care services you did not get. Medical equipment you did not buy or get. Health information such as health care problems you do not have and medicines you do not take. HIPAA Rights Know if You re a Victim Another way to know if you are a victim of identity theft is to use your rights under the Health Insurance Portability and Accountability Act or HIPAA for short. HIPAA is a federal law that protects health records and medical privacy. There are rights under HIPAA you can use to figure out or correct information if you are a victim of medical identity theft: Right to Access. The right to see or get a copy of your medical records from your health care providers and health insurance company. Right to an Accounting of Disclosures. The right to get a list of the times your health care provider or health insurance company shared your personal information with another person or organization. Right to Correct PHI. The right to request a correction of your health records held by your health care providers and health insurance company. 1 of 6

3 If you find wrong information in the records you requested from your health care providers or your health insurance company, you will want to ask them to correct the information in your file. How else can I protect myself if I am a victim of medical identity theft? Change Personal Identification Numbers If you suspect that you are a victim medical identity theft, you may want to tell your health insurance company and medical providers to change your member or patient identification numbers. File a Police Report You may also want to file a police report and keep a copy of the report for your records. A police report is very helpful when you are working with health care providers, health insurance companies, and creditors to correct your health records and credit file. Online Resources World Privacy Forum: For more information about how to protect yourself after becoming a victim of medical identity theft, please see the World Privacy Forum s web page on medical identity theft at: Identity Theft Resource Center: The Identity Theft Resource Center web site has example letters you can send to your health care providers and health insurance company to ask for a copy or correction of your records. Please see the Victim s Resources page of the Identity Theft Resource Center web site at: About Identity Theft & Breaches of Financial Information or Social Security Numbers (SSN) How do I know if any my personal information has been used by someone else? One way to find out is to order your credit reports from the three credit bureaus: Equifax, Experian, and Trans Union. If you see accounts on your credit report that you did not open or applications for credit ( inquiries ) that you did not make, these could be signs that someone else is using your personal information without your permission. Do I have to pay to run a credit report? No. You can order your credit reports from all three credit bureaus for free once a year. You can do this online at or by phone at How long does it take to get my credit report? You can view your reports online if you order them at If you order by phone, reports will be mailed within 15 days. What should I look for on my credit report? Look for any accounts that you did not open, especially accounts opened recently. Look at the inquiries or requests section for names of creditors from whom you haven t requested credit. Note that some kinds of inquiries, labeled something like promotional inquiries, are for offers of credit you did not ask for, mostly from companies with whom you do business. Don t be concerned about those inquiries as a sign of fraud. You are automatically removed from lists to 2 of 6

4 receive unsolicited pre-approved credit offers when you put a fraud alert on your account. You can also stop those offers by calling 888-5OPTOUT. Look in the personal information section for addresses where you ve never lived. Be on the alert for other possible signs of identity theft, such as calls from creditors or debt collectors about bills that you don t recognize, or unusual charges on your credit card bills. Any of these things might be indications of fraud. How often should I order new credit reports? It might be a good idea to order copies of your credit reports every three months for a while. How long you keep on ordering them is up to you. Identity thieves usually, but not always, act soon after stealing personal information. You might want to check your credit reports at least twice a year to protect yourself. Why can t I talk to someone at the credit bureaus? First, you must order your credit reports. When you get your reports, each one will have a phone number you can call to speak with a live person in the credit bureau s fraud unit. If you see anything on any of your reports that looks wrong or that you don t understand, call the number on the report. Fraud Alerts & Breaches of Financial Information or SSN What else can I do to protect myself from breaches? You can put a fraud alert on your credit files. There is no cost for placing a fraud alert with the credit bureaus. A fraud alert is a message that credit issuers get when someone applies for new credit in your name. The message tells creditors that there is possible fraud associated with the account. They must take steps to verify the identity of the applicant. For example, they may call you at the phone number you gave when placing the fraud alert. Call any one of the three credit bureaus at the numbers below and follow the fraud victim instructions: Trans Union Experian Equifax The one you call will notify the other credit bureaus to place the alert on your file, and you will get a letter from notifying you of the alert. When you call the credit bureau fraud line, you will be asked for identifying information and will be given the opportunity to enter a phone number for creditors to call. You may want to make this your cell phone number. Is it okay to give my SSN when I call the credit bureau fraud line? The credit bureaus ask for your SSN and other information to identify you and to avoid sending your credit report to the wrong person. If you want the credit report you must give this information to the credit bureau that you call. Will a fraud alert stop me from using my credit cards? No. A fraud alert will not stop you from using your existing credit cards or other accounts. It may slow down your ability to get new credit. Its purpose is to help protect you against an identity thief trying to open credit accounts in your name. Credit issuers get a special message alerting them to the possibility of fraud. Creditors know that they should re-verify the identity of the person applying for credit. 3 of 6

5 How long does a fraud alert last? An initial fraud alert lasts 90 days. You can remove an alert by calling the credit bureaus at the phone number given on your credit report. If you want to place a fraud alert for a second time, you can do so. What if I have a fraud alert on, but I want to apply for credit? You should still be able to get credit. While a fraud alert may slow down the application process, you can prove your identity to a creditor by providing identifying information. I heard that I could freeze my credit files. How does that work? A security freeze is a stronger measure than a fraud alert. A freeze prevents others from seeing your credit history without your permission. It is the strongest protection available against identity thieves opening new accounts in your name. Identity theft victims with a valid police report and adults ages 65 and older are able to place a freeze for free. Other individuals must pay a fee of $10 to place a freeze with each of the three credit bureaus for a total cost of $30. You can also temporarily lift the freeze for $10, if you want to apply for new credit yourself. For more information on the freeze, see the Credit Freeze and Fraud Alert page of the Washington State Attorney General s Office web site at or call the Consumer Issues division of the Attorney General s Office at: (in-state only) (out-of-state callers) (for the hearing impaired) Call centers are open Monday through Friday 10 a.m. to 3 p.m. About Your SSN Should I contact the Social Security Administration to change my SSN? The Social Security Administration very rarely changes a person s SSN. Possible fraud based on the use of your SSN would probably not be a reason for which the Social Security Administration would change your SSN. In most cases, getting a new SSN would not be a good idea. There are drawbacks to getting a new SSN. A new SSN would not have a credit history. No credit history would make it difficult for you to get new credit, continue college, rent an apartment, open a bank account, get health insurance, etc. To protect your privacy, you should limit the use of your SSN where it s not required. For example, if your bank account number or PIN is your SSN, you should ask the bank to give you a different number. Do NOT use last four digits of your SSN, your mother s maiden name, or your birth date as a password for financial transactions. Closing Personal Accounts Should I close my bank account? If your bank account number was among the items of personal information compromised in the breach, you may wish to close it. Should I close my credit card or other accounts? Closing your account will help protect you, if your account number was among the items of personal information included in the breach. 4 of 6

6 As a general privacy protection measure, you should always look over your credit card bills carefully to see if there are any purchases you didn t make. If so, contact the card company immediately. Identity Theft of Minors and the Deceased I think my child, who is a minor, or my spouse, who is deceased, may be a victim of identity theft. What should I do? You may want to contact the three credit bureaus and explain that you believe your child or deceased spouse is a victim of identity theft. The three credit bureaus do not knowingly keep credit files on minors. You can also contact the Washington State Attorney General s Office for help at: (in-state only) (out-of-state callers) (for the hearing impaired) What else can I do to protect myself? What happens if I find out I have been a victim of identity theft? You should tell the police right away, contact any creditors involved, and tell the credit bureaus. If you contact the police, make sure to ask for and keep a copy of the police report for your records. You may also report it to the Federal Trade Commission s Identity Theft Hotline at IDTHEFT ( ). For more information about what to do, see: The Fighting Back Against Identity Theft web page on the Federal Trade Commission s web site at: The Washington State Attorney General Office s web page for Identity Theft and Privacy at: You may also call the Washington State Office of the Attorney General Consumer Resource Center: They will refer victims to the proper authorities, assist victims with referrals, and help resolve problems with credit reporting and collections. 5 of 6

Extended Fraud Alerts and Credit Freezes

Extended Fraud Alerts and Credit Freezes Extended Fraud Alerts and Credit Freezes Consumer Information https://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes Page 1 of 3 FEDERAL TRADE COMMISSION CONSUMER INFORMATION

More information

Identity Theft Victim Checklist

Identity Theft Victim Checklist Page 1 of 5 Identity Theft Victim Checklist CONSUMER INFORMATION SHEET 3 This checklist can help identity theft victims to clear up their records. It lists the actions most identity theft victims should

More information

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS

IDENTITY THEFT VICTIMS: IMMEDIATE STEPS IDENTITY THEFT VICTIMS: IMMEDIATE STEPS If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of

More information

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to

IDENTITY. theft. Identity theft can happen. to anyone. Previously, criminals stole your wallet. for your cash. Now they. want your wallet to IDENTITY THEFT IDENTITY theft Identity theft can happen to anyone. Previously, criminals stole your wallet for your cash. Now they want your wallet to steal your good name. Protect yourself and your identity.

More information

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit

PROTECTING YOURSELF FROM IDENTITY THEFT. The Office of the Attorney General of Maryland Identity Theft Unit PROTECTING YOURSELF FROM IDENTITY THEFT The Office of the Attorney General of Maryland Identity Theft Unit CONTENTS 1) What is Identity Theft? 2) How to Protect Yourself From ID Theft. 3) How to Tell If

More information

Identity Theft Victim Checklist

Identity Theft Victim Checklist CONSUMER INFORMATION SHEET 3 4/30//08 Identity Theft Victim Checklist This checklist can help identity theft victims clear up their records. It lists the actions most identity theft victims should take

More information

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency.

SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the credit reporting agency. The credit reporting agency shall not charge a fee to victims

More information

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing.

SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. SECURITY FREEZE INFORMATION Any consumer in Wisconsin may place a security freeze on his or her credit report by requesting it in writing. The credit reporting agency is not allowed to charge a fee to

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Tennessee may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency. Beginning January

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Massachusetts may place a security freeze on his or her credit report by sending a request in writing, by mail to all credit reporting agencies. The credit reporting

More information

Protect Yourself From Identity Theft

Protect Yourself From Identity Theft FACTS FOR OLDER CONSUMERS National Consumer Law Center Protect Yourself From Identity Theft Identity theft is one of the fastest growing crimes in the country. It can strike anyone, but elders may be particularly

More information

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen

FTC Facts. For Consumers Federal Trade Commission. Maybe you never opened that account, but. Identity Crisis... What to Do If Your Identity is Stolen FTC Facts For Consumers Federal Trade Commission For The Consumer August 2005 Identity Crisis... What to Do If Your Identity is Stolen Maybe you never opened that account, but someone else did...someone

More information

Reclaiming your identity

Reclaiming your identity Reclaiming your identity A resource for victims of identity theft If you think you are the victim of identity theft, use this resource guide to assist you in reclaiming your identity. You will find a checklist

More information

Identity Theft Problem and Solutions

Identity Theft Problem and Solutions Identity Theft Problem and Solutions October 7, 2011 Michigan Cyber Summit 2011 Jon Miller Steiger Regional Director The views expressed are those of the speaker and not necessarily those of the FTC or

More information

Fred s Inc. Identifies and Stops Payment Card Security Incident

Fred s Inc. Identifies and Stops Payment Card Security Incident Fred s Inc. Identifies and Stops Payment Card Security Incident Fred s Inc. recognizes the importance of protecting our customers payment card information, which is why we have been working tirelessly

More information

How to Freeze Your Credit Files Tips for Consumers

How to Freeze Your Credit Files Tips for Consumers How to Freeze Your Credit Files Tips for Consumers Consumer Information Sheet 10 May 2015 If you live in California, you have the right to put a security freeze on your credit file.1 A security freeze

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in New Mexico may place a security freeze on his or her credit report by requesting it in writing by certified mail to the credit reporting agency or by telephone

More information

IDENTITY THEFT AFFIDAVIT INSTRUCTIONS

IDENTITY THEFT AFFIDAVIT INSTRUCTIONS IDENTITY THEFT AFFIDAVIT INSTRUCTIONS To make certain that you do not become responsible for the debts incurred by the identity thief, you must provide proof that you did not create the debt to each of

More information

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS

SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS SECURITY FREEZE INFORMATION FOR KENTUCKY RESIDENTS If you live in Kentucky, you have the right as of July 12, 2006, to put a Asecurity freeze@ on your credit report with each credit reporting agency. A

More information

SPOKANE Police Department Identity Theft Victim Packet

SPOKANE Police Department Identity Theft Victim Packet SPOKANE Police Department Identity Theft Victim Packet This packet should be completed after you have reported the theft of your identity to local law enforcement. The report can be filed with the Spokane

More information

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT IT S POSSIBLE@ PROTECT YOUR IDENTITY protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IT S POSSIBLE @ What Is Identity Theft? According to the FBI, identity theft is the fastest

More information

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by

SECURITY FREEZE INFORMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by SECURITY FREEZE INFMATION Any consumer in Illinois may place a security freeze on his or her credit report by requesting one in writing by certified mail to the credit reporting agency. The credit reporting

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by requesting one in writing by certified or overnight mail to the credit reporting agency.

More information

INTRODUCTION. Identity Theft Crime Victim Assistance Kit

INTRODUCTION. Identity Theft Crime Victim Assistance Kit Identity Theft Crime Victim Assistance Kit INTRODUCTION In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change

More information

HOME DEPOT DATA BREACH

HOME DEPOT DATA BREACH HOME DEPOT DATA BREACH This notice contains important information about the data breach announced by Home Depot, affecting some debit and credit cards used at Home Depot stores beginning April 2014. Data

More information

Identity Theft/Credit Fraud Kit

Identity Theft/Credit Fraud Kit Provided by: Your source for information on Credit Reports and Credit Scores, where you can also safely order your own 3 Bureau Credit Report online that includes your credit information from Equifax,

More information

Identity Theft Protection

Identity Theft Protection Identity Theft Protection Learning Objectives Discuss the aspects of identity theft Discuss the signs of recognizing when your identify has been stolen Understand the steps to take to reclaim your identity

More information

The Home Depot 2455 Paces Ferry Road Atlanta, GA 30339

The Home Depot 2455 Paces Ferry Road Atlanta, GA 30339 Processing Center P.O. Box 3825 Suwanee, GA 30024 John Q. Sample February 7, 2014 123 Fake St. Apt. 99 Austin, TX 77022 AllClear ID Redemption Code: [REDEMPTION_CODE] Dear John Q. Sample, Please read this

More information

Identity Theft Repair Kit

Identity Theft Repair Kit Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact

More information

Letter from the CEO. January 25, 2014. To Our Valued Michaels Customers:

Letter from the CEO. January 25, 2014. To Our Valued Michaels Customers: Letter from the CEO January 25, 2014 To Our Valued Michaels Customers: As you may have read in the news, data security attacks against retailers have become a major topic of concern. We recently learned

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION The state of Georgia has passed a security freeze law that will go into effect on August 1, 2008. Until then, consumers can get security freezes from the three major credit

More information

FTC FACTS for Consumers

FTC FACTS for Consumers ftc.gov FOR THE CONSUMER FTC FACTS for Consumers FEDERAL TRADE COMMISSION 1-877-FTC-HELP Medical Identity Theft C ould identity thieves be using your personal and health insurance information to get medical

More information

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html

http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html Identity Theft: Steps to Take if You are a Victim We understand the stress, time and effort required as a result of having your identity stolen and used fraudulently. While there are many resources available

More information

Identity Theft Repair Kit

Identity Theft Repair Kit Identity Theft Repair Kit The Identity Theft Repair Kit contains a resolution checklist and resolution worksheets. The checklist will help you keep track of the companies and organizations you should contact

More information

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you.

Intercepting your mail. They can complete change of address forms and receive mail that s intended for you. At SunTrust, we re committed to protecting your accounts and identity. That s why we ve created this Identity Theft Guide. This guide provides information about online fraud and identity theft, as well

More information

Financial Crime Report

Financial Crime Report Classification 484(g) PC 530.5 PC ALHAMBRA POLICE DEPARTMENT Financial Crime Report DR Number UCR INSTRUCTIONS 1. If the suspect is known, contact this Department by calling (626) 570-5151. 2. Please provide

More information

Identity Theft Packet

Identity Theft Packet Athol Police Department 280 Exchange St. * Athol, Massachusetts 01331 Tel. (978) 249-3232 * Fax (978) 249-7903 TIMOTHY C. ANDERSON Chief of Police Identity Theft Packet This packet will provide victims

More information

Dear Concerned Consumer,

Dear Concerned Consumer, Dear Concerned Consumer, Identity theft is a growing problem of the Information Age. You have already taken the first important step in combating the problem by contacting HomeStar Bank & Financial Services.

More information

Information copied from Federal Trade Commission Website (www.ftc.gov)

Information copied from Federal Trade Commission Website (www.ftc.gov) DETER OR MINIMIZE YOUR RISK OF IDENTITY THEFT Information copied from Federal Trade Commission Website (www.ftc.gov) Protect your Social Security number Don't carry your Social Security card in your wallet

More information

ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY

ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY ALL YOU NEED TO KNOW ABOUT BROUGHT TO YOU BY March 24, 2011 1 www.publicccounsel.org Table of Contents What Is Identity Theft?...2 Why Should I Care About Identity Theft?...2 How Do Thieves Steal an Identity?...2

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in North Dakota may place a security freeze on his or her credit report by making a request by mail to each consumer reporting agency. If the consumer reporting

More information

Citi Identity Theft Solutions

Citi Identity Theft Solutions Identity Theft what you need to know Citi Identity Theft Solutions At Citi, we want to keep you informed about all of the issues that can affect your financial life. We re bringing you helpful information

More information

Guide to Identity Theft

Guide to Identity Theft Guide to Identity Theft 1 Receive a free copy of your credit report. Visit www.annualcreditreport.com to get a copy of your credit report from all three credit reporting agencies. Review your credit report

More information

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION

IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION IDENTITY THEFT BROCHURE 2 6/3/05 3:07 PM Page 1 IDENTITY THEFT PROTECT YOUR IDENTITY IT S POSSIBLE@ protection center LEARN HOW TO PROTECT YOUR PRIVATE INFORMATION @ What Is Identity Theft? IDENTITY THEFT

More information

NOTICE OF DATA BREACH. (For California Residents)

NOTICE OF DATA BREACH. (For California Residents) January 22, 2016 NOTICE OF DATA BREACH (For California Residents) What Happened? On November 20, 2015, Starwood Hotels & Resorts Worldwide, Inc. ( Starwood ) announced that a malware intrusion affected

More information

Consumer Information Sheet 16 October 2013

Consumer Information Sheet 16 October 2013 First Aid For Medical Identity Theft Tips for Consumers Consumer Information Sheet 16 October 201 When another person uses your personal information to get medical services or goods, or to gain financially,

More information

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection

SCAM JAM 2011. ID Theft. Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection SCAM JAM 2011 ID Theft Presented by: Lori Farris Office of the Attorney General Office of Consumer Protection ID Theft The NAME GAME. Don t Get Played! Identity Theft: Learn the basics- What it is. How

More information

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts

Online Fraud and Identity Theft Guide. A Guide to Protecting Your Identity and Accounts A Guide to Protecting Your Identity and Accounts As part of SunTrust s commitment to protecting your accounts and identity, we ve created the Online Fraud & Identity Theft Guide, which provides information

More information

Child Identity Theft. Warning Signs

Child Identity Theft. Warning Signs Child Identity Theft What is Identity Theft? Immediate Steps to Repair Identity Theft Extended Fraud Alerts and Credit Freezes Repairing Your Credit After Identity Theft A child's Social Security number

More information

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain.

Protection. Identity. What should I do if I m. Common ID Theft TACTICS. a criminal obtains your personal information and uses it for his/her own gain. Common ID Theft TACTICS. HOW DOES IT HAPPEN? Identity What should I do if I m a Protection PROTECT YOURSELF: OLD-FASHIONED STEALING: Criminals steal your wallet or purse. > Never leave your wallet or purse

More information

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit

It Could Happen To You! Attorney General Tom Reilly s. Guide to Protecting Yourself and Your Credit Identity Theft: It Could Happen To You! Attorney General Tom Reilly s Guide to Protecting Yourself and Your Credit One Ashburton Place ~ Boston, MA 02108 ~ (617) 727-2200 www.ago.state.ma.us February 2005

More information

NCUA LETTER TO CREDIT UNIONS

NCUA LETTER TO CREDIT UNIONS NCUA LETTER TO CREDIT UNIONS NATIONAL CREDIT UNION ADMINISTRATION 1775 Duke Street, Alexandria, VA DATE: September 2001 LETTER NO.: 01-CU-09 TO: SUBJ: Federally Insured Credit Unions Identity Theft and

More information

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud.

Security Breaches. There are unscrupulous individuals, like identity thieves, who want your information to commit fraud. IDENTITY THEFT Security Breaches Our economy generates an enormous amount of data. Most users of that information are from honest businesses - getting and giving legitimate information. Despite the benefits

More information

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage.

Information carelessly discarded into the trash can be stolen when a thief digs through the garbage. Identity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information. Identity theft can wreak havoc on an individual s credit report, cause

More information

ID Theft Toolkit and Affidavit

ID Theft Toolkit and Affidavit ID Theft Toolkit and Affidavit Identification Theft Toolkit Safeguard yourself from ID Theft ID Theft the unauthorized and illegal use of your name, Social Security number or other personal information

More information

How to Freeze Your Credit Files

How to Freeze Your Credit Files Avoid Identity Theft! How to Freeze Your Credit Files County of Bucks Department of Consumer Protection/ Weights and Measures 1260 Almshouse Rd., 4th Floor Doylestown, Pa. 18901 215-348-6060 1-800-942-2669

More information

Chapter 6 Appendix A

Chapter 6 Appendix A Chapter 6 Appendix A Instructions for Completing the Norwalk Department of Police Service ID Theft Affidavits Please complete the attached form and submit it to the Police Department so that a case can

More information

Identity Theft Assistance: Information for Recovering Your Good Name

Identity Theft Assistance: Information for Recovering Your Good Name Identity Theft Assistance: Information for Recovering Your Good Name I Could Be A Victim of Identity Theft! What Do I Do Next? We understand that you may have been a victim of identity theft. Enclosed

More information

General Q&A Northland Pioneer Personal Data Security Incident

General Q&A Northland Pioneer Personal Data Security Incident General Q&A Northland Pioneer Personal Data Security Incident 1. What happened? On May 2, 2016, W-2 information for 2015 was forwarded to a fraudulent email address by a college employee. Current and former

More information

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT

IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT CREDIT What You Should Know About... IdentityTheft HOW IDENTITY THEFT HAPPENS PROTECTING YOURSELF RECOVERING FROM IDENTITY THEFT YourMoneyCounts You may have heard of a crime called identity theft, but

More information

Identity Theft Still a Major Problem

Identity Theft Still a Major Problem July/August 2005 Volume 9 Issue 4 Identity Theft Still a Major Problem Inside This Issue Identity Theft Still a Major Problem page 1 Identity Theft How Thieves Get Your Information page 2 Identity Theft

More information

I dentity theft occurs

I dentity theft occurs 1.3.1.F1 Identity Family Economics and Financial Education W h at i s I d e n t i t y T h e f t? I dentity theft occurs when someone wrongfully acquires and uses a consumer s personal identification, credit,

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Texas may request a security freeze in writing by certified mail to the consumer reporting agencies. The consumer reporting agencies shall not charge a fee to

More information

Credit Freeze. How To Place a Freeze on Your Credit. Colorado Bureau of Investigation Identity Theft & Fraud Unit

Credit Freeze. How To Place a Freeze on Your Credit. Colorado Bureau of Investigation Identity Theft & Fraud Unit Credit Freeze Colorado Bureau of Investigation Identity Theft & Fraud Unit How To Place a Freeze on Your Credit Placing a freeze on your credit is a simple way to minimize the risk of Identity Theft. There

More information

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft.

IDENTITY THEFT. A. What Do I Do First? Take the following steps as soon as you discover you have been a victim of identity theft. IDENTITY THEFT IDENTITY THEFT Identity theft is a serious crime with serious costs for victims. ID theft occurs when someone obtains your personal information such as your Social Security Number, credit

More information

Office of Privacy Protection Safeguarding Information for Your Future

Office of Privacy Protection Safeguarding Information for Your Future W I S C O N S I N Office of Privacy Protection Safeguarding Information for Your Future Credit report security freeze Wisconsin consumers have the right to place a security freeze on their credit reports.

More information

How to Freeze Your Credit Files

How to Freeze Your Credit Files Avoid Identity Theft! How to Freeze Your Credit Files County of Bucks Department of Consumer Protection/ Weights and Measures 50 North Main Street, 2nd Floor Doylestown, PA 18901 215-348-7442 1-800-942-2669

More information

Frequently Asked Questions How our service works:

Frequently Asked Questions How our service works: Frequently Asked Questions How our service works: 1. What does isekurity service provide? 2. Do I have to do anything else after signing up? 3. What will I receive once I enroll in isekurity? 4. When will

More information

Sincerely, Meg H. Armstrong, V.P. ecommerce e-conolight 1501 96th Street, Sturtevant, WI 53177

Sincerely, Meg H. Armstrong, V.P. ecommerce e-conolight 1501 96th Street, Sturtevant, WI 53177 We take the protection of your personal information seriously and are diligently taking action to prevent a recurrence. Both E-conolight and our hosting company continue to investigate every aspect of

More information

I know what is identity theft but how do I know if mine has been stolen?

I know what is identity theft but how do I know if mine has been stolen? What is identity theft? You might hear stories on the news about stolen identities, but what is identity theft? When someone uses the personal information that identifies you, like your name, credit card

More information

Identity Theft Victim Checklist

Identity Theft Victim Checklist Identity Theft Victim Checklist THE FOLLOWING CHECKLIST PROVIDES THE STEPS YOU SHOULD TAKE TO MINIMIZE DAMAGE TO YOUR FUNDS, FINANCIAL ACCOUNTS AND PERSONAL REPUTATION. Before you start Telephone calls

More information

As a precaution, we have arranged with AllClear ID to provide identity protection services to affected clients at no cost for a period of one year.

As a precaution, we have arranged with AllClear ID to provide identity protection services to affected clients at no cost for a period of one year. October 1, 2015 Office of the Attorney General Attn: Security Breach Notification 200 St. Paul Place Baltimore, MD 21202 Idtheft@oag.state.md.us To Whom It May Concern: I am writing on behalf of Scottrade

More information

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection

According to the Federal Trade Commission (FTC): The FTC is a government agency that promotes consumer protection According to the Federal Trade Commission (FTC): IDENTITY THEFT occurs when someone wrongfully acquires and uses a consumer s personal identification, credit, or account information The FTC is a government

More information

The Home Depot Provides Update on Breach Investigation

The Home Depot Provides Update on Breach Investigation The Home Depot Provides Update on Breach Investigation Breach confirmed Investigation focused on April forward No evidence of debit PIN numbers compromised No customers liable for fraudulent charges Customers

More information

Protect Yourself From Identity Theft

Protect Yourself From Identity Theft Protect Yourself From Identity Theft Identity theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft is much more than misuse of a Social

More information

Identity Theft. Prevention and Recovery Information Kit

Identity Theft. Prevention and Recovery Information Kit Identity Theft Prevention and Recovery Information Kit A step-by-step guide designed to help you protect your identity and recover if you ve been victimized. 800-522-4100 valleynationalbank.com 2012 Valley

More information

The Attorney General s Office established the Identity Theft Unit in response to increased identity theft incidents reported by Indiana citizens and

The Attorney General s Office established the Identity Theft Unit in response to increased identity theft incidents reported by Indiana citizens and The Attorney General s Office established the Identity Theft Unit in response to increased identity theft incidents reported by Indiana citizens and to enhance existing efforts to educate Hoosiers about

More information

UNIT 3 4 Preventing Identity Theft

UNIT 3 4 Preventing Identity Theft UNIT 3 4 Preventing Identity Theft Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. The perpetrator may use your personal information

More information

Instructions for Completing the ID Theft Affidavit

Instructions for Completing the ID Theft Affidavit Instructions for Completing the ID Theft Affidavit To make certain that you do not become responsible for the debts incurred by the identity thief, you must provide proof that you didn t create the debt

More information

How child identity theft happens.

How child identity theft happens. How child identity theft happens. Facts you should know about identity theft. What is identity theft? Identity theft is the act of using someone s personal information such as an account number, driver

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet Identity Theft Victim s Packet Information and Instructions This packet is to be completed once you have contacted the El Paso Police Department and obtained a police report number related to your identity

More information

Identity Theft A Growing Business

Identity Theft A Growing Business Identity Theft A Growing Business You retrieve your mail and find yet another application for a pre-approved credit card application. You just throw it out without even opening it. You put your trash out

More information

2015 Identity Theft Guide

2015 Identity Theft Guide 2015 Identity Theft Guide www.feddesk.com FREE Federal & Military Guides Since 2002 2015 Identity Theft Guide Written by John D. Whitney Published by Feddesk.com FREE Federal and Military Guides Since

More information

Medical Identity theft

Medical Identity theft Medical Identity theft FAQs for Health Care Providers and Health Plans Federal Trade Commission business.ftc.gov Although identity theft is usually associated with financial transactions, it also happens

More information

Medical Identity theft

Medical Identity theft Medical Identity theft FAQs for Health Care Providers and Health Plans Federal Trade Commission business.ftc.gov Although identity theft is usually associated with financial transactions, it also happens

More information

Substitute Notice for Village Pizza

Substitute Notice for Village Pizza Substitute Notice for Village Pizza Village Pizza is committed to protecting the personal information provided to us by our customers. This notice is regarding an incident involving some of that information.

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet Identity Theft Victim s Packet In this packet: Information and Instructions Section 1, # of pages 6 Fair and Accurate Credit Transactions Act of 2003 Section 2, # of pages 3 ID Theft Affidavit Section

More information

IDENTITY THEFT: PROTECTING YOUR CREDIT

IDENTITY THEFT: PROTECTING YOUR CREDIT IDENTITY THEFT: PROTECTING YOUR CREDIT Free Credit Report A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Massachusetts may place a security freeze on his or her credit report by sending a request in writing, by mail to all consumer reporting agencies. The consumer

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Any consumer in Oregon may place a security freeze on his or her credit report by sending a request in writing, by mail to all consumer reporting agencies. The consumer reporting

More information

Identity Theft Packet

Identity Theft Packet BOULDER POLICE DEPARTMENT 1805 33 rd Street Boulder, CO 80301 Identity Theft Packet ** Use this packet when the crime involves the stealing of someone's identity, such as when a victim finds out that someone

More information

Dear Consumer, What's in this packet: Identity Theft Victim Checklist Identity Theft Victim Worksheet Sample Letters

Dear Consumer, What's in this packet: Identity Theft Victim Checklist Identity Theft Victim Worksheet Sample Letters Dear Consumer, Sometimes an identity thief can strike even if you ve been very careful about protecting your personal information. If you suspect that your personal information has been stolen and used

More information

Protecting your identity

Protecting your identity Protecting your identity Though it might not seem like it, your identity is one of the most precious things you possess. Criminals who are able to steal your identifying information can pretend to be you,

More information

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail

U.S. Postal Inspection Service. Ensuring Confidence in the U.S. Mail U.S. Postal Inspection Service Ensuring Confidence in the U.S. Mail Identity theft involves acquiring key pieces of someone s identifying information, such as name, address, date of birth, social security

More information

SECURITY FREEZE INFORMATION

SECURITY FREEZE INFORMATION SECURITY FREEZE INFORMATION Summary: Any consumer in Washington D.C. may place a security freeze on his or her credit report. Each consumer reporting agency may charge a $10 fee for the initial placement

More information

When Your Child s Identity Is Stolen

When Your Child s Identity Is Stolen When Your Child s Identity Is Stolen Consumer Information Sheet 3B May 2015 What Is Child Identity Theft? Adults are not the only targets of identity theft. In fact, children under the age of 18 can also

More information

Identity Protection Services

Identity Protection Services Identity Protection Services Overview Why are identity protection services being provided? We believe your personal information should stay that way personal. That s why we re taking industry- leading

More information

About the Federal Reserve

About the Federal Reserve About the Federal Reserve The Federal Reserve Bank of Philadelphia is one of 12 regional Reserve Banks in the United States that, along with the Board of Governors in Washington, D.C., make up the Federal

More information

WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009

WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009 WISCONSIN IDENTITY THEFT RANKING BY STATE: Rank 15, 175.9 Complaints Per 100,000 Population, 9852 Complaints (2007) Updated January 16, 2009 Current Laws: It is unlawful to intentionally use or attempt

More information