Identity Theft - What to Do If Your Identity is Stolen

With thanks to the Attorney General, I posted his suggestions below. Identity theft is a problem for many more people than you may realize. Many times Identity theft occurs between family members because they may have access to mail, personal information, etc. Regardless of the perpetrator, the effect can be devastating to the victim. Many people lose thousands and thousands of dollars every day to identity theft and other scams.

Source: The Florida Attorney General's Office

Identity theft is a serious problem that affects millions each year. When an imposter uses your name, social security number (SSN), credit card number, or any other form of personal information without your knowledge, it’s a crime.

Unfortunately, sometimes victims remain unaware that their identity has been stolen until they receive monthly statements for credit card accounts they never applied for, credit reports including unfamiliar debts or monthly statements that include unauthorized charges.

If someone has stolen your identity, immediately take these three steps:

• First: Contact the fraud departments of each of the three major credit bureaus. Ask them to flag your file with a fraud alert and include a statement that creditors should ask for permission before opening any new accounts under your name. Ask the credit bureaus for copies of your credit reports. Credit bureaus must give you a free copy of your report if it is inaccurate because of fraud. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized charges made to your existing accounts. In a few months, order new copies of your reports to verify corrections and changes, and to make sure no new fraudulent activity has occurred. For more information on your rights and the Fair Credit Reporting Act, log on to http://www.ftc.gov/opa/2003/05/fcratest.shtm

Company	Report Fraud	Other Credit Report	Web Site
Equifax	(800) 525-6285	(800)685-1111	http://www.equifax.com/
Experian	(888)397-3742	(888)397-3742	http://www.experian.com/
Trans Union	(800)680-7289	(800)916-8800	http://www.tuc.com/

• Second, contact the creditors for any accounts that have been tampered with or opened fraudulently. Speak with someone in the security or fraud department, and follow up in writing. Following up with a letter is one of the procedures spelled out in the Fair Credit Billing Act for resolving errors on credit billing statements, including charges that you have not made. Sample letters are available in the booklet ID Theft: When Bad Things Happen to Your Good Name .
• Third, Fraudulent Use of Personal identification Information is a violation of Florida law pursuant to §817.568, Florida Statutes (1999). File a report with your local police department or the police in the community where the identity theft took place. Keep a copy just in case creditors need proof of the crime.

Take Control
Although identity thieves can destroy your personal finances, there are some things you can do to take control of the situation.

Some ways to handle the most common forms of identity theft are:

A- If an identity thief has stolen your mail for access to new credit cards, bank and credit card statements, pre-approved credit offers and tax information or falsified change-of-address forms, that person has committed a crime. Report it to your local postal inspector. You may contact the United States Postal Inspection Service online at https://postalinspectors.uspis.gov/

B- If an identity thief has changed the billing address on an existing credit card account, close the account immediately. When you open a new account, ask that a password be used before any inquiries or changes can be made on the account. Avoid using easily available information like your mother’s maiden name, birth date, the last four digits of your SSN or phone number, or a series of consecutive numbers. Avoid the same information and numbers when you create a Personal Identification Number (PIN).

C- If an identity thief has accessed your bank accounts, checking account or ATM card, close the accounts immediately. When you open new accounts, insist on password-only access. If your checks have been stolen or misused, stop payment. If your ATM card has been lost, stolen or otherwise compromised, cancel the card and ask for another with a new PIN. For more information, you may also contact the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency online Office of the Comptroller of the Currency.

D- If an identity thief has established new phone or wireless service in your name and is making unauthorized calls that appear to come from—and are billed to—your cellular phone, or is using your calling card and PIN, contact your service provider immediately to cancel the account and calling card. Obtain new accounts and new PINs..

E- If an identity thief is using your social security number (SSN) when applying for a job, get in touch with the Social Security Administration (SSA) to verify the accuracy of your reported earnings and that your name is reported correctly. Call (800) 772-1213 to check your social security statement. To report SSN fraud online, log on to http://www.ssa.gov/oig/ifyou.htm.

F- If, after trying to resolve the problems brought on by identity theft you continue to experience problems, the SSA may issue you a new SSN at your request. However, consider this option very carefully. A new SSN may not resolve your identity theft problems, and may actually create new problems. For example, a new SSN does not ensure a new credit record because credit bureaus may combine the credit records from your old SSN with those from your new SSN. Even when the old credit information is not associated with your new SSN, the absence of any credit history under your new SSN may make it difficult to obtain credit. Lastly, there is no guarantee that a new SSN would not also be misused by an identity thief.

G- If any identity thief is using your name or SSN to obtain a driver’s license, report it to your Department of Motor Vehicles. Also, if your state uses your SSN as your driver’s license number, ask to substitute another number.

Stay Alert
Taking the steps outlined here should, in most cases, resolve your identity theft problems, but identity theft or related credit problems may reoccur. Stay alert to new instances of identity theft. Notify the company, creditor or agency that is involved immediately and always follow up in writing.

Order a copy of your credit report from the three credit bureaus every year to check on their accuracy and whether they include only those debts and loans you’ve incurred. This could be very important if you’re considering a major purchase, such as a house or car. A credit bureau may charge a fee for a copy of your report.

More resources and information, including an identity theft toolkit, are available online at: http://myfloridalegal.com/identitytheft

FEDERAL TRADE COMMISSION (FTC)
If you’ve been a victim of identity theft, file a complaint with FTC by contacting their Identity Theft Hotline toll-free at, 1-877-IDTHEFT (438-4338); or TDD at 202-326-2502; by mail to the Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580. You may also file a complaint online at https://www.ftccomplaintassistant.gov/

The FTC publishes free brochures on identity theft and many consumer issues. For a complete list of publications, write for Best Sellers, Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or call toll-free 1-877-FTC-HELP (382-4357), TDD 202-326-2502; or log on to http://www.ftc.gov/bcp/consumer.shtm.

What do You do when You don't Know What to do?

When all around you are losing their heads over some perceived emergency without any plan of action, What do You Do? Do you stop and ask directions? Do you sit quietly and wait for the storm to pass, then clean up the mess and plan better to prevent future emergencies? Do you lead the charge, yelling do something to those around you who neither know what needs to be done nor how to go about doing it?
I am one who addresses those emergencies in life with a calm reflection. I have seen the damage done by a hasty response. I have witnessed the exponential increase in stress caused by the "Chicken Little" response of "the sky is falling".
Many years ago, I was the one to notice the sky falling and attempt to warn those around me. Working on the electrical plant of a Nuclear Submarine, I would many times see an emergency arrise on the meters and guages and it was my duty to not only note the changes, but to recommend actions to prevent damage to crucial equipment. Others might jump in before seeing All the indicators, trying to fix the first indications only to compound the real source of the problem. Many times, waiting for the opportune moment to suggest a better course of action means being heard rather than ignored.
In my practice, I see people in some of their worst situations, impending death, Family strife, marital strife, Divorce, etc. Many times alcoholism or drug addiction play a part in destroyed relationships. Other times, simple communication issues cause complete distrust or misunderstanding. An outsider who has witnessed the progression of strife, can see the direction, even if he or she cannot adequately communicate to the parties involved.
Life can be like that. Make a friendly suggestion before the friend recognizes the dire straits, and risk being ignored. Once the magnitude of problem is considered, a timely suggestion means all the difference in the world. Call me at 407-645-3297 or visit my website at www.aubreylaw.com and let me help you recognize the symptoms and solutions to your problems.

Brighter Days Ahead

Its raining again. When it Rains, it Pours. Sometimes troubles come, sometimes they stick around a while.

Alzheimers can be like that. It shows up, and won't go away. Many times the "episodes" can be overlooked. It doesn't happen very often, its just a nuissance. Forgetful. Oops.

As people age, some of the normal progressions may become exagerated and excuses become more frequent.

Know when to say when. When you need help, ask. Friends, Family, Organizations and others stand by ready to lend a helping hand. Before it pours. Before you lose control.

Call me. 407-645-3297 at the office. 407-718-5678 is my cell. I am here to help.

Customer Service and Community Relations

It Takes a Villiage to Raise a Child. No doubt you heard the title of Hillary Clinton's book published many years ago. She cited the African proverb to show that we are all connected and the success of the least is in many ways related to the success of the whole.

In Winter Park, Florida, many people know Andy. He was adopted about 40 years ago as an infant. As he developed, his parents discovered he was a victim of Fetal Alcohol Syndrome. For many years he has been seen riding his shiny red bicycle around the neighborhoods, many people unaware of his disabilities. Sometimes he yells at cars which do not stop at red octagonal signs. Sometimes he yells at people who run or walk in the "bicycle lanes", and sometimes he just yells. He is a wonderfully nice man, but his disability prevents his knowing what to say or not say. If questioned about how he should react to any given situation, he may answer "do what Jesus would do."

He works occasionally at Tijuana Flats, one of my daughter's Favorite Restaurants. he picks up trash and empty trays from tables. He moves chairs in and out and does other odd jobs. One day a customer was upset because of something Andy had said or done. When she approached the manager to express her concern, she told him that if Andy continued to work there, she and her family would not come back. The manager, in true customer service fashion, provided her with a gift certificate to the restaurant and informed her of the other locations around the city where she could dine without having Andy disturb her meal. He also said she was welcome to come back, but would likely find Andy at the restaurant as he was a valued employee.

Last weekend, I saw Andy's parents dropping him off at work on a Saturday. Normally he doesn't work weekends when the restaurant is busier. This day the boss had called him to come in special. He was thrilled. I pray we can all look for the Andy in our life and remember, it takes a villiage.