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Identity thieves target common ethnic surnames
July 16, 2006
BY ESTHER J. CEPEDA Staff Reporter
Miguel Garcia was making a name for himself in radio as the afternoon on-air personality at a Hammond, Ind., station in March when he opened a shocking letter from the IRS.
It said he owed $35,000 in back taxes. Three days later, he got another letter from the IRS saying he owed an additional $45,000. A third letter arrived saying he owed $95,000, and more followed nearly every other day for a total of about 30 letters, putting him on the hook for close to half a million dollars in back taxes -- and the letters keep coming.
'I don't have $95,000 to give you'
After the third letter, he finally called the Internal Revenue Service. "When I talked to the IRS, I explained my situation and said, 'I don't have $95,000 to give you.' "
After some research, the IRS provided Garcia with a detailed list of all of the jobs he was reported to have held from 2003 to 2006 -- 60 in all -- and the picture became clearer. Some one, or several someones, had been using his Social Security number.
He had become another in the growing pool of victims of identity theft, one of 255,000 people across the United States who filed complaints with the Federal Trade Commission in 2005. But his case may be part of a relatively new twist in the scam. Authorities think Garcia was targeted because of his common Hispanic name.
Miguel Garcia -- like John Smith or Jan Kowalski or Shui Wong -- is part of a growing trend: legal immigrants, naturalized citizens and U.S.-born residents with common ethnic names increasingly targeted by illegal immigrants who resort to stealing plausible identities so they can find jobs to pursue the American dream, causing those who came before them mounting headaches.
All news items reprinted here are with permission and properly credited. Others are contributions from clients, patrons and persons like you. These materials and others are broadcast in our internet radio station - WFGS RadioNet.
This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you Deter, Detect, and Defend against identity theft. While there are no guarantees about avoiding identity theft, there are steps you can take to minimize your risk and minimize the damage if a problem occurs:
Deter identity thieves by safeguarding your information
Detect suspicious activity by routinely monitoring your financial accounts and billing statements
Defend against ID theft as soon as you suspect a problem.
Identity theft is a serious crime. How does it happen?
Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. While you can't entirely control whether you will become a victim, there are steps you can take to minimize your risk.
If you think your identity has been stolen, here's what to do:
1. Contact the fraud departments of any one of the three consumer reporting companies to place a fraud alert on your credit report. The fraud alert tells creditors to contact you before opening any new accounts or making any changes to your existing accounts. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. Once you place the fraud alert in your file, you're entitled to order free copies of your credit reports, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.
2. Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit (PDF, 56 KB) when disputing new unauthorized accounts.
3. File a report with your local police or the police in the community where the identity theft took place. Get a copy of the report or at the very least, the number of the report, to submit to your creditors and others that may require proof of the crime.
4. File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
View or print an easy-to-follow brochure on how to Deter, Detect, and Defend against identity theft. For more in-depth information on recovering from identity theft and help with specific problems, read Take Charge: Fighting Back Against Identity Theft.
Welcome to the
FEDERAL TRADE COMMISSION
Welcome to the
FEDERAL TRADE COMMISSION
UNION & JERSEY CITIES
Very nice NEW two family to be constructed soon. The building is brown brick at the front and concrete foundation. Each of the two apartments has three bedrooms, living room, formal dining, 2 baths eat-in kitchen and central air. All utilities are separated. When finished, it will be a nice beautiful investment for you and the family. The structure will look like the model house in the picture.
Asking: $655,000 / 19th0166
Click picture for more information or click HERE to inquire.
THE FAIR CREDIT REPORTING ACT & YOUR CREDIT HISTORY
–Your questions answered
From the NATIONAL ASSOCIATION OF REALTORS®
Q. Where should I report violations of the law?
A. Although the FTC can't act as your lawyer in private disputes, information about your experiences and concerns is vital to the enforcement of the Fair Credit Reporting Act. Send your questions or complaints to: Consumer Response Center-FCRA, Federal Trade Commission, Washington, DC 20580. To file a complaint or to get free information on consumer issues, visit
www.ftc.gov or call toll-free, 1-877-FTC-HELP
(1-877-382-4357); TTY: 1-866-653-4261.
Q. Can creditors, employers, or insurers get a report that contains medical information about me?
A. Not without your approval.
Q. What should I know about “investigative
consumer reports”?
A. “Investigative consumer reports” are detailed reports that involve interviews with your neighbors or acquaintances about your lifestyle, character, and reputation. They may be used in connection with insurance and employment applications.
You'll be notified in writing when a company orders such a report. The notice will explain your right to request certain information about the report from the company you applied to. If your application is rejected, you may get additional information from
the CRA. However, the CRA does not have to reveal the sources of the information.
Q. How long can a CRA report negative information?
A. Seven years. There are certain exceptions:
• Information about criminal convictions may be reported without any time limitation.
• Bankruptcy information may be reported for 10 years.
• Information reported in response to an application for a job with a salary of more than $75,000 has
no time limit.
• Information reported because of an application for more than $150,000 worth of credit or life
insurance has no time limit.
• Information about a lawsuit or an unpaid judgment against you can be reported for seven years or
until the statute of limitations runs out, whichever is longer.
Q. Can anyone get a copy of my report?
A. No. Only people with a legitimate business need,
as recognized by the FCRA. For example, a company is allowed to get your report if you apply for credit, insurance, employment, or to rent an apartment.
PROTECT YOURSELF.
KNOW MORE !!
For complete downloadable copy of this report, click HERE
JERSEY CITY
This is a spacious two-family located in a nice place with real good rental each unit. Nothing to repair. Just pack-up and move-in - guaranteed! The apartments are well maintained. Each has three (3) bedrooms, living, dining, eat-in kitchen and good sized 2 full bath rooms. The basement is fully finished with one bedroom and full bath. The garage is for 2 cars.
Asking: $360,000.00 / BRGN0102
Click picture for more information or click HERE to inquire.
JERSEY CITY
A very good investment property. Two dental clinics plus a residential apartment in the second floor which can be converted into another doctor's clinic, if needs be. The tenant at the back has a long lease agreement but the front clinic can be used by the new owner for any purpose or business.
Asking: $675,000 / KNDY2768
Click picture for more information or click HERE to inquire.
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Funniest Customer Service Responses
From Rex Barker
Customer: "Excuse me, do you know where the thingamabobers are?"
Employee: "Yea, by the whatchamacallits on aisle 6."
Customer: "Do you carry Ink Eradicators? All of the other places do."
Employee: "I think so. I saw 'em by the Ink Accelerators on aisle 4."
Customer: "Wheres the thin plastic strips with sticky stuff on the back that you stick things to other things with?"
Employee: "Hmm... that's a tough one... The closest we have is tape."
Customer: "Excuse me. Do you work here?"
Employee: "Oh... Sorry. I just dress up like this five days a week because I like messing with people's minds..."
Customer: Do you work here?
Employee: Only when the boss is around.
Customer: "Where are the little flat black things you put in computers?"
Employee: "Hmm. I think they are in the computer section next to the disks."
Customer: "Excuse me. Is there a manager in this store?"
Employee: "Nope. Sorry, we only have someone with a "Manager" name tag on to throw people off."
Customer: "Can I open this?"
Employee: "Sure. I'm sure it's different on the inside of the clear wrapping."
Customer: "Do you have a shopping cart?"
Employee: "I think so. Let me look in my pocket. Oh! We moved em' out to the parking lot!"
Customer: "I am looking for something to plug into the back of my computer that lets me use my fax, scanner, printer, copier, and 4-in-1 multi-function machine at the same time."
Employee: "Yea! We have lots of those! Right through that big glass door by the entrance. Don't be confused by that 'Exit' sign."
Customer: "Is this new computer Y2K compliant?"
Employee: "No, sorry. We just received our new 1900 models. We can put your name on the list so we can sell you the new 2K models 100 years from now..."
Customer: "Can you give me a discount on this?"
Employee: "Yea, that's why we have those little stickers with prices on em' on everything."
Customer: "My computer isn't working. Do you know why?"
Employee: "Oh, sorry. I don't have ESP. Let me transfer you to our ESP Technician department."
NEW CONSTRUCTION
Retail Stores Building
in
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AVAILABLE NOW
This is ideal for offices, clinics, fitness center, store, laundromat, fast food, or any business that you can think of. It will have car parking for 20 with nicely designed landscaping.
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Nice two-family home in a tree-lined avenue. The neighborhood is good and friendly. Sold-as-is, this home has 2 bedrooms and one in the other. Two-car parking is also available at the rear of the house.
Take a tour. Call George Esguerra at 201-936-8986 or 201-222-5075.
Asking: $379,900 / STVN0324
Click picture for more information or click HERE to inquire.
Netlore Archive: E-mail rumor claims hotel key cards are routinely encoded with customers' personal information, resulting in identity theft by employees
Description: E-mail rumor
Status: False
Circulating since: October, 2003
Analysis: See below
E-mail example contributed by Eric, 14 October 2003:
For those who travel, or those special ones who use the room for a few hours!
Southern California law enforcement professionals assigned to detect new threats to personal security issues, recently discovered what type of information is embedded in the credit card type hotel room keys used throughout the industry.
Although room keys differ from hotel to hotel, a key obtained from the a major hotel chain that was being used for a regional Identity Theft Presentation was found to contain the following the information:
· Customers (your) name
· Customers partial home address
· Hotel room number
· Check in date and check out date
· Customers (your) credit card number and expiration date!
When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense.
Simply put, hotels do not erase these cards until an employee issues the card to the next hotel guest. It is usually kept in a drawer at the front desk with YOUR INFORMATION ON IT!!!!
The bottom line is, keep the cards or destroy them! NEVER leave them behind and NEVER turn them in to the front desk when you check out of a room. They will not charge you for the card.
Comments: "That's just a nasty rumor," says Kathy Shepard, vice president in charge of corporate communications for Hilton Hotels Corporation, which owns and operates the Doubletree Hotel chain. "Our key cards are encrypted with minimal information — the guest's name, room number and arrival and departure dates — and encrypted in such a way that they can't be read by ordinary card readers."
According to Shepard, whom I interviewed on October 20, 2003, the rumor stemmed from an actual incident in 1999 in which a southern California police officer claimed that personal information had been easily extracted from a key card procured at a franchisee-owned Doubletree hotel. In later attempts officers were unable to reproduce that result, however, and the original claim has since been retracted, Shepard says.
Detective Sergeant Kathryn Jorge of Pasadena, who authored the above email alert, offers a slightly different version of events but agrees on the essential detail that the key card systems currently used by Doubletree and other major hotel chains pose no such security threat to guests.
"In years past," she said in a statement quoted by the news Website Bend.com, "existing software would prompt the user (employee) for information input. If the employee was unaware of hotel policy dictating that such information NOT be entered, it could have ended up on the card in error. Since this subject came up, experiments on newer cards have failed to duplicate the problem. It appears that the problem is not as widespread as it used to be in the larger chain hotels."
That said, it's worth noting that law enforcement officials still warn that lost or stolen hotel keys can be put to ill use by identity thieves in another way — namely, re-encoding them with stolen personal information and using them to mimic ATM or credit cards for unauthorized purchases and withdrawals. Prudence therefore dictates returning key cards to the hotel registration desk upon checking out or destroying them to prevent their falling into the wrong hands.
Update: Official response from the City of Pasadena, California.
Hotel Key Card - Update
The following information is in response to numerous inquiries about an e-mail that was distributed regarding hotel card keys and personal information. Please take note and feel free to share with others who may also have concerns.
On October 6, 2003, Detective Sergeant Kathryn Jorge of the Pasadena Police Department received information from a group of Southern California fraud detectives who had formed a fraud investigations network through a local internet carrier. One of the members of this group from another San Gabriel Valley agency reported that in an investigation that he was personally involved in, he came across a plastic hotel card key from a major hotel that had personal information that could potentially lead to identify theft and fraud. This information included names, addresses, length of stay, and credit card numbers. This detective took the precautionary measure of notifying the detectives in the network prior to seeing if this practice was standard in the industry.
As the investigation into this potential fraud risk continued, this information was shared with other members of the Pasadena Police Department and personnel chose to share this information with others before we could correctly evaluate the risk. This has caused a chain reaction of probably thousands of people being given this information before the risk was evaluated thoroughly.
As of today, detectives have contacted several large hotels and computer companies using plastic card key technology and they assure us that personal information, especially credit card information, is not included on their key cards. The one incident referred to appears to be several years old, and with today's newer technology, it would appear that no hotels engage in the practice of storing personal information on key cards. Please share this information with anyone who has a concern over the initial information send out to others as a precautionary measure.
There was never the intent of the Pasadena Police Department to forward this information to others before the risk was evaluated. The information was forwarded by individuals as a possible precautionary note of interest only.
If you have further questions or concerns regarding this message please contact:
Janet A. Pope
Adjutant to the Chief of Police/Public Information Official
(626) 744-4537
Hotel Key Cards Encoded with Personal Information
The following article is from the website. It is being reprinted here for public service purposes and with permission from:
Updates on the above articles will be published here regularly.
More of these and other reports of similar kinds will appear in this page consistently hereafter.
Protect yourself. Bookmark this page.
Hotel Key Cards Encoded with Personal Information
ADVICE FROM FTC:
Deter, Detect, and Defend against identity theft.
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Equifax reports that there were over 9 million victims of identity theft last year - and the average victim spent 28 hours and $5,686 to resolve their case. (Javelin Strategy & Research, 2005)
One out of every four American families are affected by identity theft. (Fraud Resource Group 2005)
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Privacy Rights Clearinghouse recommends that you notify credit bureaus. Immediately report the situation to the fraud department of the three credit reporting companies -- Experian, Equifax, and TransUnion. When you notify one bureau that you are at risk of being a victim of identity theft, it will notify the other two for you.
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BEWARE OF IDENTITY THEFT!!
ATTORNEY'S ADVICE - NO CHARGE
1. The next time you order a checkbook, have only your initials (instead of first name) and last name printed in its face. If someone takes it, he/she will not know if you sign your checks with just your initials or your first name, but your bank should know your signature.
2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED."
3. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the numbers. Anyone who might be handling your check as it passes through all the check-processing channels will not have access to it.
4. Put your work phone number on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your Social Security Number printed on your checks.
5. Place the contents of your wallet on a photocopy machine and run a copy. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel fi unfortunately you lose your wallet. Keep the photocopy in a safe place. Also carry a photocopy of your passport when traveling either here or abroad. We have all heard horror stories regarding IDENTITY THEFT.
6. When you check out of hotel that uses card keys (two copies; often used today), do not return the "keys". Take them with you and destroy them. These have all the information you gave the hotel, including address and credit card numbers and expiration dates. Someone with a card reader, or an employee of that hotel, can access all that information with no problem at all.
Here are some critical information to limit the damage in case this happens to you or someone you know:
1. We have been told we should cancel our credit cards immediately. The key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them.
2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if ever is one). However, here is what is perhaps the most important:
3. Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen, and have to contact you by phone to authorize new credit.
Here are the numbers you need to contact when your wallet and its contents are stolen:
1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) TransUnion: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271
Note: I received this E-Mail from a friend and asked me to post it. You can add comments on this subject by going to our BLOG site at: http://thesalvogroup.blogspot.com/
BEWARE OF IDENTITY THEFT!!
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