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IDENTITY THEFT &FRAUD

Detective Michael Korcek

Salem Police Department

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Points to Cover

What is Identity Theft

How does it occur

How to protect yourself

What to do if you become a victim

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Identity Theft O.R.S. 165.800

Obtains,possesses, transfers,creates, uttersor converts to the persons own use thepersonal identification of another person

with the intent to defraud.

Class C felony.

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Identity Theft Statistics

(As Reported to the Federal Trade Commission) 2,200 Oregonians reported this crime to the FTC

in 2002.

Oregon ranked 10th in the Nation with 64.3Identity Theft victims per 100,000 population.This is an increase from 36.7 per 100,000 for2001.

Salem had the second-highest number of IdentityTheft victims in Oregon in 2002 with 139.

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Identity Theft Statistics

Credit card fraud, bank fraud, andphone/utility fraud are the top three forms

of identity thefts Oregonians reported.

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There is no magic armor to keepidentity theft from happening to

you, but you can lessen the chances

by: Recognizing the opportunities you may

present to an identity thief.

Lessen the impact if you become a

victim.

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Who Commits Identity Theft?

Drug users

Bank tellers

Car salespeople

BookkeepersCheck cashing manager

Dept. of Revenue employee

Gas pump attendantsSAIF Employee

Restaurant/retail employees

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The Link

ConvertersConverters PassersPassers

CollectorsCollectors

DrugsDrugs

&&

MoneyMoney

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Collectors

InsiderInsider

BankBankdatadata

HospitalHospital

RecordsRecords

RetailRetail

RecordsRecords

AutoAuto

ProwlsProwls

DumpsterDumpster

DiveDive

StolenStolen

MailMail

CollectorCollector

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Converters

WashWashChecksChecks

IDID

MatchMatch

CheckCheck

TemplatesTemplates

InternetInternetAccessAccess

CreditCredit

HistoriesHistories

ConvertersConverters

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Altered/Counterfeit IDs

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Passers

RetailRetail

MerchMerch

AcctAcct

TakeoversTakeovers

SlitSlit

DepositsDeposits

WesternWestern

UnionUnion

MemberMember

CollusionCollusion

CarsCars

PassersPassers

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What Your Info Is Used For Credit Card Applications

Stolen credit card used topurchase items

On-line Banking

Internet

applications/purchases

Cell Phones

Utility Services

Grocery/Retail Stores

Open Bank Accounts

Pass checks in victimsname for other purchases

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Opportunities For

Identity Thieves Mail theft

Use a Post Office Box to receive

sensitive mail (Identity Theft

Insurance).

Mail outgoing mail inside Post Office.

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Stolen Postal Keys

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Counterfeit Postal Keys

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Opportunities For

Identity Thieves Car theft or break-ins.

Burglaries and thefts. Use of debit card or credit card.

Paying with a check.

Applying for credit.

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CHECK WEB SITES

www.anybirthday.com

www.ancestry.com

www.identitytheft.org

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Pay with cash when you can

Be conscientious where you use debit/credit

cards/checks.

Be careful who you give your personal

information to: Loan application

Telephone solicitation or reservations

LESSEN THE

OPPORTUNITIES

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LESSEN THE

OPPORTUNITIES

Shred sensitive info before throwing away.

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What To Do If You Become A

Victim Call your local police department to report

the theft.

Personal information Businesss information or account numbers

Jurisdiction?

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What To Do If You Become A

Victim Contact bank and change account numbers if

necessary.

Contact credit bureaus and obtain credit reports.

Document what you learn is occurring with yourinformation.

Treat evidence carefully (checks, applications, etc.).

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Contact The Three Major Credit

Reporting Bureaus EQUIFAX 888-766-0008

EXPERIAN 888-397-3742

TRANS UNION 800-680-7289

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Contact The Federal Trade

Commission (FTC)

The FTC is a federal clearinghouse forcomplaints that can assist victims byproviding information to help resolve

financial and other problems that resultfrom ID Theft.

1-877-ID-THEFT (438-4338)

www.consumer.gov./idtheft/

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Future Concerns DMV Electronic Registration Program

(ERP)

Auto dealers will have access to DMV filesto file title transfers and title applications

with DMV, via the Internet.

Pilot program may expand to allow new andused auto dealers access to Oregon driver

license information.

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QUESTIONS

?