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City of Algona
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Algona, WA 98001
(253) 833-2897







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Identity Theft

(253) 833-2897

Identity Theft Defined

RCW 9.35.020 (1) –No person may knowingly obtain, possess, use or transfer a means of identification or financial information of another person, living or dead, with the intent to commit or aid or abet any crime

Why Criminals Choose Identity Theft - Because it is:
 
– A non-violent crime
–Difficult to solve
– Do not have to worry about getting injured or killed
– Can make thousands in just a few hours
– In many states penalties are not severe
 
Where Does It Start

Countless opportunities to steal personal information
Most victims do not know how the thief obtained the information
Top Ten Causes of Fraud and Identity Theft
 
 
Domestic/Elder Abuse
Eavesdropping/wandering eyes
Dishonest employee
Database intrusion (credit card account numbers)
Improper disposal of credit card receipts and statements
Lost/stolen purse or wallet
Social Engineering (misrepresentation to obtain personal information; often via phone)
Mail theft
Credit card skimming (when dishonest cashier secretly copies the magnetic stripe on your credit card by swiping it through a small card reader)
Theft of employer/other multi-person records

Reduce Your Risk
 
Protect your trash. Shred credit card receipts, bank statements, medical statements and pre-approved credit card offers

Don’t carry credit cards you don’t need or your social security card in your purse/wallet

Don’t leave your purse/wallet in your vehicle, even if out of sight

Guard your mail from theft. Don’t put outgoing mail in your mailbox. Take it to the post office. Replace your mailbox with a postal approved locking mailbox, or rent a post office box

If you close a checking account, shred any unused checks

Don’t have your social security number or driver’s license number printed on your checks

Don’t allow reorder of bank checks to be mailed to you. Have your bank hold them for pickup

Avoid using personal information as passwords (such as mother’s maiden name, children or pet’s names, birth dates, etc.)

Don’t give your personal information to anyone over the phone unless you have initiated the contact

Secure personal information in your home. Be aware of what information could be obtained by maintenance workers, cleaning people, home healthcare workers, visitors, etc.
 
Get rid of pre-approved credit offers – choose to OPTOUT

Don’t order FREE credit reports on the Internet

 
What To Do If You Are A Victim

Place a “fraud alert” with the three major credit bureaus. Request a copy of your credit report

Contact the creditor and/or bank for any accounts that have been tampered with or opened fraudulently. Close compromised accounts and open a new account. You might also request that your personal identification number, or PIN, be changed

Contact your local police department and make a report. You may want to have your fingerprints taken and sent to Washington State Patrol to “establish your identity”

If you suspect the mail was used, contact the postal inspector or your local postmaster

Contact the Federal Trade Commission, which is the national clearinghouse for complaints by victims of identity theft

Organize your case

 
– Follow-up in writing all contacts you’ve made on the phone or in person. Use certified mail, return receipt requested

– Write down the name of anyone you talk to, what he/she told you and the date the conversation occurred

– Keep original supporting documents like police reports. Send copies only

– Set up a filing system for easy access to your paperwork

– Keep copies of all correspondence or forms you send

– Keep old files even if you believe your case is closed. One of the most annoying aspects of identity theft is that errors can reappear on your credit reports or your information can be re-circulated. Should this happen, you’ll be glad you kept your files!


Helpful Resources

Pre-approved Credit OPTOUT Program
1-888-5-OPTOUT
Federal Regulators of Depository Institutions

Social Security Administration
E-mail: oig.hotline@ssa.gov
1-800-269-0271


Federal Trade Commission
Identity Theft Hotline
1-877-IDTheft



Three Major Credit Bureaus
 
Equifax
 
Experian Transunion
Order Credit Report:
1-800-685-1111
Report Fraud:
1-800-680-7289
Order Credit Report
and Report Fraud:
1-888-EXPERIAN

Order Credit Report:
 1-800-888-4213
Report Fraud:
1-800-525-6285



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