Computer Security Issues & Discussion
Ron Buswell, Newark
January 7, 2006
(Session notes provided by AgEBB staff)
How identity thieves get your personal information:
They get information from businesses or other institutions by:
- stealing records or information while they're on the job
- bribing an employee who has access to these records
- hacking these records
- conning information out of employees
- They may steal your mail, including bank and credit card
statements, credit card offers,
new checks, and tax information.
- They may rummage through your trash, the trash of businesses, or
public trash dumps
in a practice known as "dumpster diving."
- They may get your credit reports by abusing their employer's
authorized access to them,
or by posing as a landlord, employer, or someone else who may have a
legal right to
access your report.
- They may steal your credit or debit card numbers by capturing the
information in a
data storage device in a practice known as "skimming." They may swipe
your card for
an actual purchase, or attach the device to an ATM machine where you
may enter or
swipe your card.
- They may steal your wallet or purse.
- They may complete a "change of address form" to divert your mail
to another location.
- They may steal personal information they find in your home.
- They may steal personal information from you through email or
phone by posing as legitimate companies and claiming that you have a
problem with your account. This practice is known as "phishing"
online, or pretexting by phone.
How identity thieves use your personal information:
- They may call your credit card issuer to change the billing
address on your credit card account.
- The imposter then runs up charges on your account. Because your
bills are being sent to
a different address, it may be some time before you realize there's a
- They may open new credit card accounts in your name. When they use
the credit cards
and don't pay the bills, the delinquent accounts are reported on your
- They may establish phone or wireless service in your name.
- They may open a bank account in your name and write bad checks on
- They may counterfeit checks or credit or debit cards, or authorize
electronic transfers in
your name, and drain your bank account.
- They may file for bankruptcy under your name to avoid paying debts
they've incurred under your name, or to avoid eviction.
- They may buy a car by taking out an auto loan in your name.
- They may get identification such as a driver's license issued with
their picture, in your name.
- They may get a job or file fraudulent tax returns in your name.
- They may give your name to the police during an arrest. If they
don't show up for their court date, a warrant for arrest is issued
in your name.
If Your Personal Information Has Been Lost or Stolen
If you've lost personal information or identification, or if it has
been stolen from you, taking certain steps quickly can minimize the
potential for identity theft.
- Financial accounts: Close accounts, like credit cards and
bank accounts, immediately. When you open new accounts, place
passwords on them. Avoid using your mother's maiden name, your birth
date, the last four digits of your Social Security number (SSN) or
your phone number, or a series of consecutive numbers.
- Social Security number: Call the toll-free fraud number of
any of the three nationwide consumer reporting companies and place an
initial fraud alert on your credit reports. An alert can help
stop someone from opening new credit accounts in your name. See
consumer reporting company contact information. For more
information about fraud alerts, see the Fraud Alerts box.
- Driver's license/other government-issued identification:
Contact the agency that issued the license or other identification
document. Follow its procedures to cancel the document and to get a
replacement. Ask the agency to flag your file so that no one else can
get a license or any other identification document from them in your
If your information has been misused, file a report about the theft
with the police, and file a complaint with the Federal Trade
Commission, as well. If another crime was committed for example, if
your purse or wallet was stolen or your house or car was broken into
report it to the police immediately.
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 all correspondence.
1. Place a fraud alert on your credit reports, and review your
- Equifax: 1-800-525-6285;
www.equifax.com; P.O. Box 740241,
Atlanta, GA 30374- 0241
- Experian: 1-888-EXPERIAN (397-3742);
www.experian.com; P.O. Box 9532,
Allen, TX 75013
- TransUnion: 1-800-680-7289;
www.transunion.com; Fraud Victim
Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
Once you place the fraud alert in your file, you're entitled to order
free copies of your credit reports, and, if you ask, only the last
four digits of your SSN will appear on your credit reports.Once you
get your credit reports, review them carefully. Look for inquiries
from companies you haven't contacted, accounts you didn't open, and
debts on your accounts that you can't explain. Check that information,
like your SSN, address(es), name or initials, and employers are
correct. If you find fraudulent or inaccurate information, get it
removed. See Correcting Credit Reports to learn how. Continue
to check your credit reports periodically, especially for the first
year after you discover the identity theft, to make sure no new
fraudulent activity has occurred.
The Fair Credit Billing Act establishes procedures for resolving
billing errors on your credit card accounts, including fraudulent
charges on your accounts. The law also limits your liability for
unauthorized credit card charges to $50 per card. To take advantage of
the law's consumer protections, you must:
- write to the creditor at the address given for "billing
inquiries," NOT the address for sending your payments. Include your
name, address, account number, and a description of the billing error,
including the amount and date of the error. See Sample Letter
- send your letter so that it reaches the creditor within 60 days
after the first bill containing the error was mailed to you. If an
identity thief changed the address on your account and you didn't
receive the bill, your dispute letter still must reach the creditor
within 60 days of when the creditor would have mailed the bill. This
is one reason it's essential to keep track of your billing statements,
and follow up quickly if your bills don't arrive on time.
You should send your letter by certified mail, and request a return
receipt. It becomes your proof of the date the creditor received the
letter. Include copies (NOT originals) of your police report or other
documents that support your position. Keep a copy of your dispute
The creditor must acknowledge your complaint in writing within 30 days
after receiving it, unless the problem has been resolved. The creditor
must resolve the dispute within two billing cycles (but not more than
90 days) after receiving your letter.
2. Close the accounts that you know, or believe, have been tampered
with or opened fraudulently
Call and speak with someone in the security or fraud department of
each company. Follow up in writing, and include copies (NOT originals)
of supporting documents. It's important to notify credit card
companies and banks in writing. Send your letters by certified mail,
return receipt requested, so you can document what the company
received and when. Keep a file of your correspondence and enclosures.
3. File a report with your local police or the police in the
community where the identity theft took place.
www.naag.org for a list of state
4. File a complaint with the Federal Trade Commission.
By sharing your identity theft complaint with the FTC, you will
provide important information that can help law enforcement officials
across the nation track down identity thieves and stop them. The FTC
can refer victims' complaints to other government agencies and
companies for further action, as well as investigate companies for
violations of laws the agency enforces.
You can file a complaint online at
If you don't have Internet access, call the FTC's Identity Theft
Hotline, toll-free: 1-877-IDTHEFT
5. Chart Your Course of Action
6. RESOLVING SPECIFIC PROBLEMS
If you report the loss or theft within two business days of discovery,
your losses are limited to $50.
If you report the loss or theft after two business days, but within 60
days after the unauthorized electronic fund transfer appears on
your statement, you could lose up to $500 of what the thief withdraws.
If you wait more than 60 days to report the loss or theft, you could
lose all the money that was taken from your account after the end of
the 60 days.
In general, if an identity thief steals your checks or counterfeits
checks from your existing bank account, stop payment, close the
account, and ask your bank to notify Chex Systems, Inc. or the check
verification service with which it does business
To request that they notify retailers who use their databases not to
accept your checks, call:
TeleCheck at 1-800-710-9898 or 1-800-927-0188
Certegy, Inc. (previously Equifax Check Systems) at 1-800-437-5120
To find out if the identity thief has been passing bad checks in your
name, call: SCAN: 1-800-262-7771
Social Security Administration (SSA)
If you have specific information of SSN misuse that involves the
buying or selling of Social Security cards, may be related to
terrorist activity, or is designed to obtain Social Security benefits,
contact the SSA Office of the Inspector General. You may file a
complaint online at
call toll-free: 1-800-269-0271, fax: 410-597-0118, or write:
SSA Fraud Hotline, P.O. Box 17768, Baltimore, MD 21235.
You also may call SSA toll-free at 1-800-772-1213 to verify the
accuracy of the earnings reported on your SSN, request a copy of your
Social Security Statement, or get a replacement SSN card if yours is
lost or stolen. Follow up in writing.
For More Information
Federal Trade Commission (FTC)
Take Charge: Fighting Back Against Identity Theft
To order a free annual report:
You can order one from one or all the national consumer reporting
call toll-free 877-322-8228, or complete the Annual Credit Report
Request Form and mail it to: Annual Credit Report Request Service,
P.O. Box 105281, Atlanta, GA 30348-5281. The form is at the back of
this brochure; or you can print it from
www.ftc.gov/credit. Do not
contact the three nationwide consumer reporting companies
individually. They provide free annual credit reports only through
877-322-8228, and Annual Credit Report
Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
What To Do Today
Place passwords on your credit card, bank, and phone accounts. Avoid
using easily available information like your mother's maiden name,
your birth date, the last four digits of your SSN or your phone
number, or a series of consecutive numbers. When opening new accounts,
you may find that many businesses still have a line on their
applications for your mother's maiden name. Ask if you can use a
Secure personal information in your home, especially if you have
roommates, employ outside help, or are having work done in your home.
Ask about information security procedures in your workplace or at
businesses, doctor's offices or other institutions that collect your
personally identifying information. Find out who has access to your
personal information and verify that it is handled securely. Ask about
the disposal procedures for those records as well. Find out if your
information will be shared with anyone else. If so, ask how your
information can be kept confidential
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