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1) INTRODUCTION
1.1
How Identity Theft Occurs
a) How identity thieves get your personal information
b) How identity thieves use your personal information
c) Ways to tell if your identity has been stolen
2) IDENTITY THEFT VICTIMS: IMMEDIATE STEPS
2.1 Four Initial Steps
a) Contact Fraud Department of major credit bureaus
Fraud Alerts
Getting Creditor Documentation
b) Close the accounts
Closing Credit Accounts
Canceling ATM Cards
Stopping Checks
Other Steps
c) File a police report
Proving you’re a victim
d) File a Federal Trade Commission Complaint
The identity theft report
Tips for organizing your case
3) RESOLVING SPECIFIC PROBLEMS
3.1 Bank Accounts and
Fraudulent Withdrawals
a) Fraudulent
electronic withdrawals
b)
Fraudulent checks and other "Paper"
transactions
c)
Fraudulent new accounts
d) Where to
find help
3.2 Correcting Fraudulent Information in Credit
Reports
a) Consumer
reporting company obligations
3.3
Credit Cards
3.4 Criminal Violations
3.5 Debt Collectors
3.6 Driver's License
3.7 Investment Fraud
3.8 Mail Theft
3.9 Passport Fraud
3.10 Phone Fraud
3.11 Social Security Number Misuse
3.12 Student Loans
3.13 Tax Fraud
3.14 Additional Information
4) STAYING AWARE
4.1 Getting Your Credit Report
4.2 Other Consumer Rights to Free Reports
5) MINIMIZING RECURRENCES
5.1 What To Do Today
5.2 Active Duty Military
5.3 Steps for Maintaining Vigilance
5.4 A Special Word About Social Security Numbers
5.5 Tips For Preventing Identity Theft
6)
KNOWING HOW THIEVES WORK
6.1 ATM Crime
a) Safety When Using an ATM
b) Special Precautions— Using an ATM at Night
c) ATM Card-Traps
6.2 Credit Card “Skimming”
6.3 Common Internet SCAMS
a) Phishing
b) Spoofing
c) Virus and Hoaxes
d) Promotional SCAMs
e) SPAM Zombies
6.4 Internet SCAMs - What you can do
a) Tips to Help Avoid Advance-Fee Letter Fraud
b) Advance Fee or Scholarship SCAMs
c) Employment SCAMs
d) Other Internet Fraud Variations
7 7) COMPUTER SECURITY
7.1 Key Logging at Public
Computers
7.2 Spyware
a) Fighting Spyware
7.3 Pretexting
7.4 Tips for enhancing security
7.5 Computer Security Resources
8.8) BUSINESS AND OTHER ISSUES
8.1 Common Merchant Credit
Card Abuses
a)
Four Big No-Nos
b) Tips to minimize the risk of credit card
fraud for Businesses
8.2 Freight forwarding scams
8.3 Investment Fraud
8.4
Merchandise Fraud
8.5 Online
Auction/Retail Fraud
a) Internet Auction Fraud —
Steps to take if victimized...
b) Steps to take to avoid being victimized
9.9) CONCLUSION
9.1 FBI Tips – How to Protect Yourself
APPENDIX
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It's the Law
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Federal Law
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State Law
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How to
Complete the ID Theft Affidavit (includes the Affidavit Form)
Fraud Reporting Contact List
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Sample Blocking Letter for a Consumer
Reporting Company
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Sample Dispute Letter For an Existing
Account
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