Identity Theft REPAIR KIT - Nebraska
Identity theftREPAIRKITSUBJECT:Identity TheftBROUGHT TO YOU BY:Nebraska Attorney GeneralDoug PetersonWARNING:fastest growing white-collar crime in the US
Identity theft message From Your Attorney GeneralMessage from Attorney GeneralDoug PetersonDear Friends,Anyone can become a victimof identity theft. Unfortunately,many victims do not even knowthey are victims until their credit is destroyed. The effects ofidentity theft can be devastating,and that is why it is importantthat you understand how todetect identity theft and repairyour credit.To minimize the damage doneto your name, you must takeimmediate action. The goal ofthis handbook is to arm youwith the tools you need to dojust that. Please use it to guideyou through the steps to repairthe harm done by identitythieves and prevent identitytheft in the future.Anyone can be a victim of thiscrime. Even worse is the factthat a victim may not evenknow what is happening tothem. That is why it is veryimportant that you know howto protect yourself and combatidentity theft if it happens toyou. The aim of this handbookis to arm you with the toolsyou need to do just that.The effects of identity theft can
Table of ContentsIntroduction1What is Identity Theft?How Do They Get My Personal Information?What Do They Do With It?Identifying Identity Theft2334When Your Identity is Stolen7Immediate ResponseStep 1:Step 2:Step 3:Step 4:Step 5:File a Police ReportClose Your AccountsInitiate a Fraud AlertFix Specific ProblemsFile a Complaint/ID Theft Affidavit7771116Liability19security freeze requests20Checklists28ActionsDocumentsPreventing ID Theft in the Future30Contacts32The information contained within this booklet is for educationalpurposes only and should not be substituted for the advice of anattorney licensed to practice law in Nebraska.
You are a victimof identity theftSomeone has obtainedaccess to your checking account,stolen your debit card, or ruinedyour credit history
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What Happened?You’vebedevastating.just comeIt homeis vitalfromforayoulongto re. MoreUse thisbills.handbookIt’s just toguideyouwhatyouneedthroughaftertheall thesteps ofrepairingstressfromthea presentationdamage ningstatein the Youment.future.didn’t buy much thismonth – just some groceries andsome clothes. Halfway up thedriveway you stop. The statement shows an overdraft. Youhad more than 1,000 in yourchecking account the last timeyou took out money andnow you are more than 50in the negative.You’ve finally saved up for a car.You’ve been waiting to get yourvery own car ever since yougraduated from college. You’vejust picked out a beautiful littleblue sports car and the salesman is off putting together thepaperwork. Just as you are admiring what will soon be yournew ride, the salesman comesup with a sad look on his face.“It’s your credit,” he says.“I’m sorry.”You finally found the perfectpair of shoes! You can’t believethey have your size, too. Thesalesman rings you up, butthere is a problem. Your creditcard has been declined eventhough you hardly use it.The police knock on yourdoor. They have a searchwarrant. They inform you thatyour name, address, and phonenumber has been connectedto a Web site containing childpornography. But you’venever built a Web site and youonly use your computer forbalancing your checkbookand checking your e-mail.What happened?You are a victim of identitytheft. Someone has obtainedaccess to your checkingaccount or stolen your debitcard. Someone has ruined yourcredit history by opening creditaccounts in your name thathaven’t been paid off. Someonehas gotten a hold of your creditcard number, either by stealingit, hijacking your computer, orby any number of other ways.Someone has used your personal information to conduct illegalactivities. Now that your credithistory is ruined and you arein debt for things you neverknew about, you can’t qualifyfor an auto loan to buy a caror pay for those perfect shoes.You could be in danger of beingarrested for somethingyou didn’t do.01
What is identitytheft?Identity theft is when someonefraudulently uses your personalidentifying information to obtaincredit, take out a loan, openaccounts, get identification,or numerous other things thatinvolve pretending to be you.It is a very serious crime that cancause severe damage to someone’sfinancial well-being if not takencare of promptly. People can spendmonths as well as thousands ofdollars repairing the damage doneto their credit history and theirname by an identity thief.Even scarier, some cases of identitytheft are connected to other, moreserious crimes which may lead lawenforcement to you for a crimeyou did not commit.02
Identity theft What is Identity Theft?How Do TheyGet My PersonalInformation?What Do TheyDo With It? Identity thieves can obtainyour personal information in anumber of ways: Finding personal informationyou share on the Internet; ““DumpsterDumpsterdiving”diving”goingor orgoingthrough your trash looking for; personal information; StealingyourwalletwalletStealing youror orpurse;purse;Stealingdebitororcreditcard Stealingyouryourdebitcreditcard ming”,usingdatastoragestoragedeviceusing aadatadeviceto tocapturetheinformationinformationthroughcapture thethroughan ATM machine or during anan ATM machine or during anactualpurchase;purchase;actual ““Phishing”:Phishing”:a ascamscamwhichin inwhichthe theuseruser sends an email falsely claimingsendsanemailfalselyclaimingtobeto be from a legitimate organization,governmentagency,or bankfrom a legitimateorganization,governin order to lure the victim intomentagency,orbankinorderto luresurrendering personal informationsuchas a bankaccount number,the victiminto surrenderingpersonalcredit card number, or passwords.informationsuchofasscama bankcanaccountThissame sortalsobedone creditover thebyorthenumber,cardphonenumber,password. This same sort of scam can alsobe done over the phone by the scammercalling yourhome;scammercallingyour home; Stealing yourStealingyourmail;mail; rain Daccountwithrainyouryourbankbankaccountelectronic transfers, counterfeitwithchecks, or yourdebit card;electronictransfers,cocard; OOpenin inyourpenaabankbankaccountaccountyourname andbadcheckswithnameandwritewritebadchecksit;it; ernevergets paidwhichthatgetsoff,paidoff,getsreflected onreport;reflectedonyouryourcreditcreditreport; UseyouryournamenametheyUseififtheygetgetarrested sosoit itgoesononyourrecord;arrestedgoesyour;forpurchases tivities,es involved in illegalactivisuch assuchproductsfor methamphetamineties,as productsfor methproduction or anproductionInternet domainfor aamphetamineoInternetchild pornographydomainfor a childsite;site; Useyouryournamenamefile setotofileforforbankruptcyavoiddebts;bankruptcy ororavoiddebts; seyour personalinformation;withyour personalinforma BuyaacarcarandanduseuseyourBuyyourinformation andcredithistoryinformationandcredithisto getaaloanloan fortoryforit;it; ObtainservicesservicesyourObtainininyourname,such as phone or Internet.name,such as phone or Internet. ObtainingyouryourcreditObtainingcreditreportreport through posing as an embyposingasanemployerorployerlandlord;orlandlord; olvingthethefttheftof offiles,hackinginvolving thefiles,hackingintointo electronic files, or bribing anelectronicfiles,orbribinganemployeeemployee for access to files ataccess to files at a business;aforbusiness; DivertingyouryourmailanDivertingmailto toanotherother location by filling out alocationbyfillingouta“change“changeof address”address”form.form.03
Identifying Identity TheftHere are some warningsigns that you may be thevictim of identity theft:04 You are denied credit; You find charges on yourcredit card that you don’tremember making; Personal information, creditcards, ATM cards, checks,or IDs have been stolenfrom you; You suspect someone hasfraudulently changed yourmailing address; Your credit card billsstop coming; You find something wrongwith your credit report, suchas loans you didn’t take outor accounts you don’tremember opening; A debt collector calls abouta debt you don’t owe anddidn’t know about.If any of these have happened to you, you may be thevictim of identity theft.You could be the victim ofidentity theft without noticingany of these things happeningto you, but it is still goodto keep a careful eye out foranything out of the ordinaryby ordering your credit reportat least once a year and beingalert to these warning signs.
Identity theft Identifying Identity Theftorder yourcredit reportat least once a yearA free credit report is availableat www.annualcreditreport.com.05
act quicklyFile a police report .06
Identity theft When Your Identity Is Stolen Step 1, 2 & 3When Your Identity is Stolenaccount has been opened, youshould immediately file a fraudreport with your bank’s frauddepartment.Acting quickly is the best way to If a new account has been openedmake sure that this crime doesnot get out of control. The longer without your knowledge and consent, ask the company with whichyou wait, the more of your money someone else is spending and, the account has been opened ifthey have a fraud department. Ifpotentially, the greater thethey do, file a fraud report withdamage to your credit.that department. If not, ask if theywill accept the ID Theft AffidavitAlways remember to actfrom the Federal Trade Commisquickly.sion (see Step 5 page 16). If you close an existing bankaccount and open a new one, beStep 1:sure to create new PINs (PersonContact the Policeal Identification Numbers) andFile a report with your local popasswords.lice department and, if the identity theft did not take place withinStep 3:your area, file a report with theinitiate a Fraud Alertpolice from the area where the The next step is to place a fraudtheft took place.alert on your credit file as well asGet a copy of the police report.review your credit report. ThisYou may need that documentawill prevent an identity thief fromtion to support your claims toopening any more accounts incredit bureaus, creditors, debtyour name.collectors, or other companies. If you are unable to obtain a copy You should contact the threecredit bureaus listed on page 8. Ifof the police report, be sure toyou place a fraud alert with oneget the report number.credit bureau, that credit bureauis required by law to contact theStep 2:other two bureaus. The other buClose your Accountsreaus will include the fraud alertIf you notice any accountsin their reports. However, to ensure that the alertunder your name that havebeen tampered with or openedis included in your credit file aswithout your consent, close them quickly as possible (to minimizepotential damage to your creditimmediately. The longer that anhistory) you should contact allidentity thief has access to thesethree credit bureausaccounts, the more money youimmediately.could lose.Call each bank or company andthen follow up in writing.If there are fraudulent charges ordebts on your account or if a new Cont. on next pageThere are steps you will needto take to protect yourself. 07
Step 3: Initiate A Fraud Alert cont.initial fraud alertextended fraud alertLasts at least 90 days.In your file for 7 years.It’s good if you suspect youmight be a victim of identitytheft, your wallet/purse isstolen, or if you are a victimof “phishing.” With an initialfraud alert, you are entitled toone free credit report from eachconsumer reporting company.You can get one on your creditreport if you are a victim ofidentity theft and you haveprovided the credit bureau withan “Identity Theft Report.” Thistype of fraud alert also entitlesyou to two free credit reportsfrom each credit bureau within12 months.If you lose your Social Security card, contact a credit bureau and have aninitial fraud alert placed on your credit reports.credit bureausEquifaxwww.equifax.comConsumer Fraud DivisionP.O. Box 740256Atlanta, GA 303741-800-766-0008Experianwww.experian.comP.O. Box 9554Allen, TX 750131-888-EXPERIAN (397-3742)TransUnionwww.transunion.comFraud Victim Assistance DepartmentP.O. Box 2000Chester, PA 190221-800-680-728908After you have a fraud alertincluded in your credit history,you are entitled to receive afree copy of your credit reportfrom each of the credit bureaus.Request a copy and reviewyour report for the following: Accounts you did not open; Debts on your account thatyou did not know about; Inquiries from companiesyou don’t know; Inaccurate information.
Identity theft When Your Identity Is Stolen Step 3 (cont.)Contact all three credit bureaus immediately.fileERTFRAUD AL09
Can you believe this is happening?sunetsolc accoall10
Identity theft When Your Identity Is Stolen Step 4Step 4:Fix Specific ProblemsYou’ve identified the problems in your credit report as well as identity theftproblems elsewhere. Now it is time to fix them. Here’s how:See Contacts on page 32 for contact information on these organizations.eventaction REQUIREDcontactYou find anyaccounts tamperedwith or opened without your knowledgeClose the accountsimmediately. Get newpasswords and PINsfor new accounts.Credit Bureaus andcreditors (banks,credit card issuers),merchants, utility andcell phone companiesYour ATM card,credit cards, orchecks were stolenClose the accountsimmediately. Get newPINs and passwordsfor new accounts.Notify each bank andmajor check verification company. If yourchecks are stolen, put“stop-payments” on allchecks remaining in thestolen checkbook. Askany check verificationcompany to put a fraudalert on your account.Bank, credit cardissuer, creditors,major checkverificationcompanies,and the policeYou find inquirieson your creditreport that you didnot know aboutBy phone and thenin writing, notify thethree credit bureausthat unauthorizedcredit inquiries onyour credit historywere made and requestthat those inquiries beremoved.Credit BureausYou find inaccurateinformation onyour credit reportBy phone and then inwriting, notify the threecredit bureaus andrequest the informationbe corrected.Credit BureausCont. on next page11
Step 4: Fix Specific Problems cont.12eventaction REQUIREDcontactYou have reason tobelieve your SocialSecurity number(SSN) has beenstolen or misusedReport your allegations to the SocialSecurity Administration (SSA), requesta copy of your SocialSecurity Statement,and/or call SSA to verify the accuracy of theearnings reportedon your SSN.Social SecurityAdministrationAn identity thiefhas falsifiedchange-ofaddress forms,stolen your mail,or committed anyother kind of mailfraud in order to getyour personal informationReport it to your localpost office. Contactyour credit cardcompanies, banks,etc. to notify themthat your address wasfraudulently changed.Have any changes ofaddress done onlyin writing.U.S. Postal InspectionService (USPIS)You’ve lost yourpassport, it wasstolen, or youbelieve it is beingmisusedContact the UnitedStates Departmentof State througha field office or ontheir Web site.United StatesDepartment ofState (USDS)You think your nameor SSN is being usedto obtain a fakedriver’s licenseContact the Department of Motor Vehicles (DMV). Make sureyou don’t use yourSSN as your driver’slicense number.Department of MotorVehicles (DMV)You think an identitythief has interferedwith your securityinvestments or abrokerage accountReport it to yourbroker or accountmanager as soon aspossible. File acomplaint withthe U.S. Securitiesand ExchangeCommission.Your broker/accountmanager, U.S.Securities andExchangeCommission
Identity theft When Your Identity Is Stolen Step 4 (cont.)eventaction REQUIREDcontactA phone serviceaccount has beenopened in your name,someone is usingyour calling card, orunauthorized callsare being billed toyour cellular phoneCancel your accountand/or calling card.Use new PINs if youopen new accounts.Your service providerA debt collectorcontacts you tryingto collect on a loanthat you did nottake outWrite a letter to thedebt collector. Stateyour reasons why youdispute the debt andinclude supportingdocumentation,such as a copy ofthe police report,or the FTC IdentityTheft Affidavit.Debt collectorYou have beenwrongfully accusedof having committeda crime perpetratedby someonepretending tobe youFile an impersonationreport, have youridentity confirmed,and prove yourinnocence bycomparing yourinformation to thatof the identity thief.You may need theassistance of a lawyer,i.e., a criminal defenseattorney (public orprivate) in order toclear your name.Contact the PublicDefenders’ Officeor the State BarAssociation in orderto find an attorney.You believesomeone has filedfor bankruptcy inyour nameWrite to the U.S.Trustee and includesupportingdocumentation.File a complaintwith the U.S.Attorney and/orthe FBI.U.S. trustee in theregion where thebankruptcy occured,U.S. Attorney, FBI inthe city the bankruptcywas filed.13
itdonwaitYou can check your credit report online immediatelyat www.annualcreditreport.com.14
Identity theft When Your Identity Is Stolen Step 4 (cont.)Fixing YourCredit Report Remember to keep track ofyour billing statements. Ifyou do not notify the creditorwithin 60 days, you may be liable for the fraudulent charges.If you find inaccurate information or inquiries on yourcredit report that you do notknow about, contact the creditSee Liability on page 19 forbureau and request that theymore information.be removed.First call them and then followup in writing.SocialProvide copies of documentsSecurity Numberfor support. If you cannot getIf you continue to have probany documentation from thelems with an identity thiefcreditor, send the credit bureaumisusing your Social Securitycopies of your police report.number (SSN), the Social SecuClearly identify what informarity Administration (SSA) cantion you are disputing.issue you a new number.Once your credit report is cor This is not guaranteed to solverected, ask the credit bureau toyour problems.send notice of the correctionsA new SSN does not guarantee to anyone who has inquireda new credit record.about your credit report in theCredit bureaus might combine last six months.your new SSN credit recordwith your old SSN creditrecord. Even if that does notCreditorshappen, the absence of anyIf your credit card was stolencredit history might make itor you find fraudulent chargesharder for you to get credit.on your credit card bill, contactthe credit card company immeAlso, you cannot get a newdiately.SSN if:Close the account as soon aspossible. You lost your SSN card or itNotify the credit card companywas stolen, but there is noof fraudulent charges. Have yourevidence it is being misused;account number and descriptionof unauthorized charges ready. You filed for bankruptcy;Send the creditor a copy ofyour police report and a copy You are planning on avoidingof your ID Theft Affidavit (seethe law or legal responsibility.page 16). If they do not acceptthe ID Theft Affidavit, fill outthe creditor’s fraud disputeforms.Request a return receipt so thatyou have proof that the letterwas received within the required60 days after you received thebill with fraudulent charges.15
Criminal ViolationsIdentityTheft AffidavitIf an identity thief hasimpersonated you when theyA piece of documentation youwere arrested or cited for aneed to fill out is the Identitycrime, there are things you canTheft Affidavit offered by thedo to correct your record.Federal Trade Commission. To prevent being wrongfully This form will help you reportarrested, carry copies of docuinformation about your identityments showing that you are atheft with just one form. Manyvictim of identity theft, whether companies accept this form,your name has been used forthough ot
detect identity theft and repair your credit. To minimize the damage done to your name, you must take immediate action. The goal of this handbook is to arm you with the tools you need to do just that. Please use it to guide you through the steps to repair the harm done by identity
identity theft we have seen or believe to be likely. ased on these reviews and our review of the FT 's identity theft rules and its suggested responses to mitigate identity theft, as well as other sources, we have developed our procedures below to respond to detected identity theft Red Flags. Procedures to Prevent and Mitigate Identity Theft
IDENTITY THEFT If you are a victim of identity theft, or you suspect that someone is using your name . and your notarized ID Theft Affidavit (located at the back of this kit). Identity theft is a Class D Felony under KRS 514.160. Theft related to credit or debit cards is a Class A Misdemeanor or Class D Felony under KRS 434.550 - 434.730. 2 .
2 Valve body KIT M100201 KIT M100204 KIT M100211 KIT M100211 KIT M100218 KIT M300222 7 Intermediate cover (double diaphragm) - - - KIT M110098 KIT M110100 KIT M110101 4 Top cover KIT M110082 KIT M110086 KIT M110092 KIT M110082 KIT M110082 KIT M110082 5 Diaphragm KIT DB 16/G KIT DB 18/G KIT DB 112/G - - - 5 Viton Diaphragm KIT DB 16V/S KIT
of identity theft. Unfortunately, many victims do not even know they are victims until their cred-it is destroyed. The effects of identity theft can be devastating, and that is why it is important that you understand how to detect identity theft and repair your credit. To minimize the damage done to your name, you must take immediate action.
Identity theft REPAIR KIT. message from Attorney General tom horne IdentIty theft message from your Attorney General I'm Attorney General Tom Horne. . Identity Theft Helpline at the phone numbers and web address shown here. 602.542.2145 (Phoenix) 520.628.6504 (Tucson)
Jan 19, 2016 · Identity theft is using the identifying information of another person. Identity theft can be in the form of financial identity theft or medical identity theft. Medical identity theft occurs when someone uses another person’s name or other parts of anot
Identity Theft Unit in response to increased identity theft incidents reported by Indiana citi-zens and to enhance existing efforts to educate Hoosiers about protecting their identities. The Identity Theft Unit assists ID theft victims and provides investigative services to help promote the prosecution of identity thieves.
IDENTITY THEFT If you are a victim of identity theft, or you suspect that someone is using your name . and your notarized ID Theft Affidavit (located at the back of this kit). Identity theft is a Class D Felony under KRS 514.160. Theft related to credit or debit cards is a Class A Misdemeanor or Class D Felony under KRS 434.550 - 434.730. 2 .
