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FACTA requires the establishment of a fraud alert system for consumers who may be the victims of identity theft, credit card account number truncation on electronic receipts, account blocking by consumer credit reporting agencies after a police report is filed by victims, the creation of red-flag indicators for financial institutions and creditors to use in spotting identity theft, free credit reports on an annual basis from the three major credit bureaus, and other enhancements Free Credit Reports One of the best aspects of FACTA is that all individuals can receive copies of their credit reports once a year at no charge from each of the three major credit bureaus, Experian, Equifax, and TransUnion Previously, there was a cost incurred to receive credit reports This free service increases the ability of consumers to receive and review their credit reports for errors and possible identity theft.

Imagine my surprise as I was researching material for this book and came across a very familiar case study The case was one I investigated when I was a Postal Inspector in New York I immediately recognized the fraudster s name; I had arrested him for the first time on December 17, 1985, in Staten Island, New York, for credit card fraud He pleaded guilty in February 1986 and in April of that year was sentenced in Brooklyn Federal Court to two years in prison to be followed by deportation Not only did prison time not work, deportation obviously did not either Recidivism is unfortunately quite common for identity thieves; the punishments are not sufficient to be effective deterrents when the crime is so easy and lucrative.

You cannot use EFS on compressed folders. For that reason, on the Advanced Attributes dialog box, you can choose either Compress contents to save disk space or Encrypt contents to secure data, but not both. (Of course, from an interface design standpoint an either-or selection always calls for radio buttons rather than check boxes, so this is one for the Who designed this document.) Furthermore, you cannot encrypt entire hard drives, nor can you encrypt files bearing the System attribute.

MAIL THEFT AND PHONY ID On March 30, 1998, a resident in an apartment complex in Pickerington, Ohio, reported to the local police department and Postal Inspectors that he was receiving credit cards that he had not applied for The postal customer reported he had been contacted by various banks and that over $10,000 in convenience checks associated with credit cards mailed to his apartment were being negotiated in the Houston, Texas, area The postal customer also informed the authorities that on the two prior mail delivery days, he witnessed an unknown male driving a white vehicle removing mail from his mailbox That same day, Postal Inspectors and police detectives conducted surveillance in the area of the victim s mailbox Within a short time, a male driving a white vehicle was observed entering the apartment complex and removing mail from the victim s mailbox.

All consumers should avail themselves of this opportunity to scrutinize their credit reports Credit reports are available either through a dedicated Web site (wwwannual creditreportcom), by telephone (877-322-8228), or by mail The Privacy Rights Clearinghouse recommends that consumers order their free reports by telephone or mail rather than via the Internet A World Privacy Forum report released in July 2005 exposed hundreds of imposter Web sites Some sites lure you in with free offers, but just.

The subject was arrested as he was leaving the scene in his car In the car were several pieces of mail addressed to the victim, credit cards and mail addressed to other victims, as well as a list of numerous names, SSNs, and birth dates of other victims He was charged with theft of mail When the defendant was booked, he gave a phony name, provided a home address that turned out to be a mail receiving agency, and had a Washington State driver s license in the alias He also falsely provided an SSN that was found to belong to a female It was later determined that the defendant previously had been arrested in Las Vegas and Atlanta for credit card fraud and deported in 1990 He illegally reentered the country under an alias as a temporary US visitor in 1996.

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