identity theft

IDENTITY THEFT 2011 Fact, Fiction and Safeguards...

Welcome to…

Presented by

Paul L. Kennedy, CITRMSCertified Identity Theft Risk Management Specialists

“Identity theft is the only crime where you are”

Guilty Until Proven Innocent

No one is Immune !!!

•You were pick- pocketed

•Your house was robbed

•Something had been taken from your locker

•You got mugged

In The Past You Knew When You Had Been Robbed

•You returned to an empty parking space

Jan 2005 - August 2010

*510,584,085 records lost

from data base breaches

You Can’t Get Back

What You Have

Already Given Away….

*Privacy Rights Clearinghouse

Reported Cases Only

- FTC

Drivers License Identity Theft

MedicalIdentity Theft

Financial Identity Theft

Identity Theft is not just Credit Cards!

ID Theft is an international crime and access to an attorney may be critical...

Social Security Identity Theft

Character / Criminal Identity Theft

Five Common Types of Identity Theft

What is Identity Theft?

Driver’s License Identity Theft

Thieves use your information to acquire a driver’s license in your name or claim to be you during a traffic stop

♦ You could receive a DWI, hit and run or other driving-related charges

♦ Your driving privileges could be suspended or revoked

♦ You could be arrested during a routine traffic stop for crimes you did not commit


Social Security (SSN) Identity Theft


♦ Illegal immigrants use you SSN to gain employment (may or may not file a return)

♦ Criminals use your SSN when arrested

♦ Thieves use your SSN to obtain a passport

♦ Thieves use your SSN to buy & sell real estate, including re-financing or obtaining a home equity loan on real estate you already own

♦ Thieves use your SSN to obtain a driver’s license, insurance coverage, file tax returns, school admission, access your financial accounts

Medical Identity Theft

Thieves use your information for insurance benefits, Rx , Medicare, Medicaid benefits, or for medical tests


♦ Your rates could go up or your coverage could be cancelled or maxed-out

♦ You could owe thousands of dollars for a procedure you never had

♦ You could be unable to obtain medical or life insurance, other coverage, and/or employment because of conditions that you do not have (AIDS, Diabetes etc…)

Character / Criminal Identity Theft

♦ You could be arrested

♦ You could be denied employment or fired from your current job because of fraudulent criminal records

♦ Security checkpoints at airports could become a nightmare for you

♦ You could be denied a passport and be barred from leaving the country

Thieves mask their criminal activity behind your identity


Financial Identity Theft

♦ They deplete your accounts

♦ They rack up outrageous charges on credit cards, take out new loans, and more

♦ They destroy your credit, forcing you to pay higher rates

♦ Legally be held responsible for the debts incurred by the thieves in your name (Regulation E)

Thieves use your information to open new accounts or to gain access to existing accounts


Your Name

Fingerprints and DNA

Insurance Claims

Military Record

Criminal History

Real Estate Documents

Legal History

Credit History

Birth Certificate, Adoption, Marriage & Divorce InfoPublic Records

Address, phone number

Social Security number

The Data Based You™

Driver’s License # and Record

Medical Records

Vehicle Registration ( I-Pass, On Star, etc)

The Medical Data Based You™

Insurance Carrier Name

Center For Disease Control

Blood Bank, X-ray, & lab data bases

Medical Information Bureau (MIB)

Health Department

Personnel File at work

Address

Medicare Medicaid Hospital Data Bases

Physician Data Bases HOSPITALS

&

ALL Medical Offices

Laptops, CDs Thumb & Jump Drives

Pharmacy Data Bases

The Best Answer

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Paul L. Kennedy, CITRMS

Jacqueline A. Kennedy, CITRMSCertified Identity Theft Risk Management Specialist