[MSM Hobbes]

ChoicePoint sure has been in the news quite a bit lately... And, who are they???

Anyhow, here is some more info to help protect your info that came from an email here at work:

Tips for Protecting Your Identity

• Burn or shred old credit cards; sign credit cards as soon as you get them
• Shred pre-approved credit mailers, if you don’t intend to use them
o Purchase a cross shredder
• Do a credit record check one time a year, even against your children’s social security number.
o After 9/1/05, this will be a free service to everyone. (www.annualcreditreport.com)
• Do a social security check once a year, also, to be sure somebody isn’t using your card for benefits (www.ssa.gov)
o Memorize your social security number and passwords; don’t carry them\ with you
• Don’t use common passwords (names of family members)
o Don’t use the same password or pin number for everything. It’s easy to remember, but allows easy access to all your accounts once procured
• Limit the personal information you give out. Don’t share your social security number, if you believe it isn’t necessary for that particular transaction.
• Never leave outgoing mail in a rural mail box; drop into blue postal collection boxes. Thieves will love you for making it so easy to get your checking and credit information.
• Don’t hand in hotel room cards. All your credit data is on the magnetic strip. Take home and shred.
• Know the MAC machine you use. Small, out-of-the-way machines are a risk for skimming devices and video cameras to capture your pin #.
• Keep an eye on your credit card, as it is being used. Skimmers are small hand-held devices that download your credit data from the magnetic tape when your card is swiped through it and are frequently used by restaurant workers, gas attendants and taxi drivers to steal information from hundreds of people a day.
o Check to be sure the credit card being returned to you is yours. Be suspicious when the card is returned to you, wrapped in the receipt.
o Never leave your credit card on the counter, accessible to photos or theft
• Companies and individuals can be held liable for data getting into the wrong hands. Applications, personnel files, etc. should be secured.
o Be watchful of temporary employees and cleaning services
• Wireless computers can be easily hacked; Starbucks coffee shops are currently a popular place for this to happen
• When on-line banking, check your account daily
• Check direct deposits on the day expected and report missing deposits at once
• While in line waiting to use your credit card, keep it in the palm of your hand so photos (by cell phone or video camera) cannot be made.

If you suspect you’re a victim of ID theft, take action. You’re guilty until proven innocent and it takes almost full time dedication to the problem for 2 to 12 months to get it straightened out and could cost a considerable amount of money.
• If the crime involved the U.S. Mail, report to your nearest U.S. Postal Inspection Service Office
• If the crime involved counterfeit credit cards or computer hacking, report it to the U.S. Secret Service (www.secretservice.gov)
• Check whether the major credit reporting agencies have accounts in your name that were opened without your consent & ask them to place a “fraud alert” on your file.
• Change your PIN codes and passwords immediately.
• Keep a record of the names and phone numbers of people with whom you discussed your case and of all reports and supporting documents
• Report ID theft online with the FTC at www.consumer.gov/idtheft or call the ID Theft Hotline at 1-877-IDTHEFT. The FTC has counselors to help you resolve financial and other problems that can result from this crime.

In initial alert will go onto your credit account for 90 days, if you believe your identity has been stolen. With actual paperwork from the police and credit card company, the alert stays on your account for 7 years.

Your credit report is sold to marketing firms. To opt out, call 1-888-567-8688

The best prevention is: 1) awareness 2) monitor your information 3) report problems.

To which I would add, be aware, informed, and make backup copies of all of your info, stored in a safe, secure location.

[jonasdatum]

Originally Posted by MSM Hobbes

ChoicePoint sure has been in the news quite a bit lately... And, who are they???

Anyhow, here is some more info to help protect your info that came from an email here at work:


To which I would add, be aware, informed, and make backup copies of all of your info, stored in a safe, secure location.

Watch this C-Span.org Senate Hearing. This shows how much people in the United States and abroad get screwed!

javascriptlayClip('rtsp://video.c-span.org/15days/e031505_identity.rm')
Senate Hearing on Identity Theft
Sen. Richard Shelby (R-AL) chairs the final part of a hearing begun last week on "Identity Theft: Recent Developments Involving the Security of Sensitive Consumer Information." Witnesses include: Don McGuffey, Vice Pres., ChoicePoint Services; Evan Hendricks, Editor, Privacy Times & Barbara J. Desoer, Exec. Vice Pres., Global Technology, Service and Fulfillment Executive, Bank of America.
3/15/2005: WASHINGTON, DC: 1 hr. 30 min.

[jonasdatum]

Hello. Here are some web links in relation to this issue.

Child ID Theft: What to Do
Parents Can Take Steps to Prevent, Detect Child ID Theft
By Geraldine Sealey
http://abcnews.go.com/US/story?id=90259&page=1

Credit Report Program Starts in 13 States
Free Credit Report Program Begins for Residents of 13 Western States; Rest of U.S. Eligible Next Year
The Associated Press
Dec. 1, 2004
http://abcnews.go.com/Business/wireStory?id=294542

Debit Card Dangers: Answers to Your Questions
By Mellody Hobson
http://abcnews.go.com/GMA/MellodyHob...=128017&page=1

Why a Free Credit Report Is Worth Your Time
http://abcnews.go.com/Business/Mello...=298155&page=1

Financial Makeover: Credit History Woes
http://abcnews.go.com/Business/Perso...d=87278&page=1

Evaluate Your Credit Rating
http://abcnews.go.com/Business/story?id=89658&page=1

[jonasdatum]

Hello fellow members of techguy.org also know as helponthe.net. I have ordered a 3-in-1-credit report along with my FICO credit score. People should do this once or twice a year. According to Cus-Rep I spoke to, I should receive it within the next 10 business days. I wonder what my credit score will be? I've been trying to build my credit history for the past 3 1/2 years. I hope it is good? What about the two debts I have? We'll just wait and see?

Anybody else here get a credit report lately? Maybe I have enough credit to buy a house? LOL!

[JohnWill]

ATTORNEY'S ADVICE -- NO CHARGE Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice!

A corporate attorney sent the following out to the employees in his company.

1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not
know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.

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 number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.

4. Put your work phone # 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 SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine. 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. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel
either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards.

Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly
cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more. But here's 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. But 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 there ever is one).


But here's what is perhaps most important of all : (I never even thought to do this.)


3. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away This weekend (someone turned it in). It seems to have stopped them dead in their tracks.


Now, here are the numbers you always need to contact about your wallet, etc., has been stolen:

1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271


We pass along jokes on the Internet; we pass along just about everything. But if you are willing to pass this information along, it could really help someone that you care about.

[jonasdatum]

Originally Posted by JohnWill

ATTORNEY'S ADVICE -- NO CHARGE Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice!

A corporate attorney sent the following out to the employees in his company.

1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook, they will not
know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.

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 number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.

4. Put your work phone # 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 SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine. 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. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel
either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards.

Unfortunately, I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly
cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more. But here's 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. But 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 there ever is one).


But here's what is perhaps most important of all : (I never even thought to do this.)


3. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorize new credit.

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away This weekend (someone turned it in). It seems to have stopped them dead in their tracks.


Now, here are the numbers you always need to contact about your wallet, etc., has been stolen:

1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union: 1-800-680-7289
4.) Social Security Administration (fraud line): 1-800-269-0271


We pass along jokes on the Internet; we pass along just about everything. But if you are willing to pass this information along, it could really help someone that you care about.

Hmm. What is this "ID required" thing in the signature field of the credit card? I know most places won't let you use the card unless it is signed. Hmm or do they care as long as there is writing in it? Most places want you to show some form of photo ID also.

You mentioned don't put in the entire credit card # when you're paying it via check. Good idea! Very good idea!

LOL, you must realize that many people keep their entire life in their wallet. Which is why you don't put your entire ID in the same place. I believe this was discussed on another post? If I can find it I'll post the link. Anyway I said that if you're a US citizen you should have the following @ the least:

US Passport: Very flexible document! Never let it expire more than one year. Or else you're screwed if you don't have enough ID to start from scratch.

Non-driver ID card or Driver Lic: Many states let you have an ID-Card and a Driver License. The states that have PHOTO Learner permits sometimes actually issue BOTH. IMHO this is stupid and redundant.

> Driver Lic: This is the most critical ID you'll ever have in your adult life! It surpasses an ID-Card and a Learner Permit. In that with those two you can't get a PASSPORT.

Social Security Card: Enough said.

Birth Certificate and/or Naturalization / Sworn US Citizen Doc.: Enough said.

If you have all of these documents and they aren't screwed up. You are fine and should be able to prove you are who you say you are.

Make sure you check your credit report(s), license records, car registration(s) title record(s), bank statements, and credit card statements. Also, if you check your bank accounts online and they all are under the same bank don't put all the account under the same passcode if at all possible.

The credit identity you save could be your own. Don't foget to check the kids. You would be surprized how kids get their identities stolen and can't even write their own names. Here is a news article for you:

Child ID Theft Can Go Unnoticed for Years
Crime Is Especially Painful and Damaging, Experts Say
By GERALDINE SEALEY
http://abcnews.go.com/US/story?id=90257&page=1

[jonasdatum]

Consumers could be warned, but U.S government doesnt care/ID theft victims
http://forums.techguy.org/t342867.html
http://www.msnbc.msn.com/id/6814673/

Growing Number of Companies Are Offering Identity Theft Coverage As an Employee Benefit

http://abcnews.go.com/Business/Finan...tory?id=417893

[jonasdatum]

http://abcnews.go.com/US/print?id=231969
Man Sentenced for Cancer Patient ID Theft
Washington State Man Sentenced to 16 Months in Prison for Stealing Cancer Patient's Identity
The Associated Press

Nov. 6, 2004 - A technician at a cancer center has been sentenced to 16 months in prison for stealing the identity of a gravely ill patient, who spent months trying to clear his name while the disease ravaged his body.

The technician, Richard W. Gibson, 42, is the first person in the nation sentenced under a new law designed to protect patients' privacy, federal prosecutors said.

He also will be required to pay at least $15,000 in restitution, including reimbursing patient Eric Drew for the time and money he spent trying to clear his name.

"This court considers your behavior in this case to be some of the most deplorable I've seen in 15 years on the bench," U.S. District Judge Ricardo Martinez told Gibson.

The sentence was four months longer than prosecutors requested.

Drew said that while he was lying in a hospital bed, dying from cancer and weak from massive doses of chemotherapy, he began to get mail thanking him for opening accounts he knew nothing about.

After a maddening six months of calling the companies, police, reporters and collection agencies, Drew discovered that Gibson, a technician at the Seattle Cancer Care Alliance, where he received the first of his two bone marrow transplants last fall, had stolen his identity.

Drew, a mortgage banker from Los Gatos, Calif., recently had his second bone-marrow transplant at the University of Minnesota medical center.

"I felt completely ignored, frustrated and totally violated," he said in a videotaped statement played in court Friday. "Nobody seemed to empathize or care about this situation whatsoever, and my doctors and family wanted me to drop it because they were worried about the huge amount of stress this was placing on me. They were afraid it would actually cause my impending bone marrow transplant to fail."

Drew, 37, discovered he had leukemia in early 2003, said his lawyer, Gregory Ursich. He began treatment at Stanford University Medical Center for what he calls a "terminal case" of the disease and was transferred to the Seattle Cancer Care Alliance in September 2003.

Within a few weeks, the mail started. He called the companies and banks about every fraudulent application he learned of, and urged them not to issue credit. Some issued it anyway.

"My frustration level grew as more and more application confirmations and then collection calls started to come in," Drew said. "Months went by where I was extremely sick and unable to pursue all the calls and letters regarding the fraudulent accounts."

The identity theft consumed his life and made it impossible for him to continue to raise money for bone marrow drives, charities and individual patients. He previously had raised $250,000 for such causes, he said.

After his transplant in December 2003, he began visiting the Seattle Police Department, banks and even the post office, tracking down the letter carrier who delivered to the address associated with the fraudulent accounts.

Even with the address, he said he received little help from authorities. Finally, Drew got a break. A local television reporter jumped on the story and within three weeks obtained video of someone making fraudulent purchases.

Drew was stunned Gibson had at least once drawn Drew's blood.

"I am very sorry about what I did," Gibson told the judge Friday.

The judge said he believed Gibson was remorseful, but didn't buy his explanation that he needed the money.

"You didn't pay a mortgage. You didn't pay heating bills," Martinez said. "You bought video games. You bought jewelry.

"You took advantage of that position of trust you were in ... for the most base reason of all: greed."


Copyright 2005 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

Copyright © 2005 ABC News Internet Ventures
-Article Copy Ends-

This guy deserves to get a swift kick in the pants! Coward! The criminal said he was sorry. Yea, he was sorry that the guy didn't die before anybody caught on. Many who have replied to this thread know what it is like. To be terminally ill and knowing that you're good name could go down in flaims... I am glad he caught the guy!

[jonasdatum]

All need to watch this C-Span Video. It is a fed hearing on immigration issues. Within the first 30 minutes explains how we inadvertently help supply the "demand" for fake or stolen identification documents.

javascriptlayClip('rtsp://cspanrm.fplive.net/cspan/project/ter/ter031405_travel.rm')

Senate Hearing on 9/11 Commission Report on Terrorist Travel
Chairman Senator John Cornyn (R-TX), Chairman Senator Jon Kyl (R-AZ) and witnesses Elaine Dezenski - deputy assistant secretary of Homeland Security for policy, Bureau of Transportation Security; Tom Walters - acting assistant commissioner, Office of Training and Development for Customs and Border Protection; Doris Meissner - senior fellow, Migration Policy Institute and former commissioner, Immigration and Naturalization Services; Janice Kephart - senior consultant, The Investigative Project and former staff counsel, 9/11 Commission; hold a hearing on terrorist travel.
3/14/2005: WASHINGTON, DC: 2 hr. 15 min.

[cinseer]

It seems when one who has suffered from identity theft, credit card fraud, or the use of any other major information pertaining to ourself in a fraudlent or nefarious manner....
tired of endless hours of persuing an answer, to right the wrong - going from one agency to another in effort to
1) reclaim your identity
2)catch the person(s) who did it

only to keep running in circles.

Go to the media - it is a big story.
It can perhaps quicken everything up.

This is a crime that destroys people and their lives. The police know it. The credit card companies and banks know it. Make someone answer to it. They also know that every year it escalates trifold - the US government now is even poking it head up saying "yeah i guess we got a bit of a crisis on our hands"

You have pretty well kept a "diary" of what you have been going through - from the start - not knowing what to do - to now, learning things all the time about it and how to get through it.

I wish you well - not easy what you experience.
Tell people - warn them - find out what needs to be pushed in government and law to ensure your rights. Things need to change.

Good Luck

[jonasdatum]

Originally Posted by cinseer

It seems when one who has suffered from identity theft, credit card fraud, or the use of any other major information pertaining to ourself in a fraudlent or nefarious manner....
tired of endless hours of persuing an answer, to right the wrong - going from one agency to another in effort to
1) reclaim your identity
2)catch the person(s) who did it

only to keep running in circles.

Go to the media - it is a big story.
It can perhaps quicken everything up.

This is a crime that destroys people and their lives. The police know it. The credit card companies and banks know it. Make someone answer to it. They also know that every year it escalates trifold - the US government now is even poking it head up saying "yeah i guess we got a bit of a crisis on our hands"

You have pretty well kept a "diary" of what you have been going through - from the start - not knowing what to do - to now, learning things all the time about it and how to get through it.

I wish you well - not easy what you experience.
Tell people - warn them - find out what needs to be pushed in government and law to ensure your rights. Things need to change.

Good Luck

I've done almost all I can do unless I do as you advise and contact the media about it. I do plan on writing the phone company about it, but event the Rep said that the company doesn't relinquish records unless under considerable circumstances and the Detective involved with my case said at first that they (the phone company) has to give them up willingly. Although he said that initially that he should be able to get the records no problem.

Unfortunately most people I have known, even the many who have replied to this threat have stated, under most circumstance the most you can do is file a police report and cancel everything. Few who have posted on this thread or it’s poll have ever caught the criminal-scum-jerks!

All that was done was:
Police report filed.
Accounts acknowledged as fraudulent and terminated.
My own documentation of the situation including copies and originals of the certified and notarized letters sent to the “PC.”

In fact now that you mention it I’ll write a letter to the commissioner’s office. Not the first time I’ve done it.

I keep this thread going because I want people to see that it can and probably will happen to them; to read and learn from other member experiences, that there are those within our government who actually try to do something worthwhile to combat the problem, and that ultimately we must be our first line of defense against those who would compromise us all!

PS: I know I need to work on my grammar.

[jonasdatum]

After some stuff at work I went digging around for more infor for the thread. Here is some stuff from the FDIC.

Putting an End to Account-Hijacking Identity Theft
http://www.fdic.gov/consumers/consum...udy/index.html

If you read into the sections sub categories, you'll discover that there are some things that are very useful in regard to Internet stuff.

FDIC Consumer News - Spring 1998
A Crook Has Drained Your Account. Who Pays?
http://www.fdic.gov/consumers/consum...g98/crook.html

Safer Online Holiday Shopping
http://abcnews.go.com/Technology/story?id=247871&page=4

Debit Card Dangers: Answers to Your Questions
Good Morning America's Personal Finance Expert Answers Your Questions
By Mellody Hobson
Dec. 29, 2004
http://abcnews.go.com/GMA/print?id=128017

This is something I've tried to do allot. Not to use my debit card for much shopping online anymore. I've used it at trusted sites, but I really should. For all transactions (online and off) I try to stick to the credit card. Many banks now offer "increased" protection, but that means you may have to pay a fee of some sort. Inquire with you financial institution.

[jonasdatum]

Originally Posted by hammerbill

I kept having a hard time getting a security clearance. Eventually found out my jailbird older brother had used my name and also used social security number-not exactly but very similar, (transposed digits, one up, one down).
Later I met my current wife. When we began seeing more of each other, I casually mentioned that it wouldn't bother me if she ever wanted to do a criminal check on me. Some time later she contacted a detective that bended a few rules and found "my" records.: "assault with a deadly weapon" and a six foot rapsheet of lesser crimes. The detective advised her to have nothing more to do with me but she didn't listen, used gut hunch instead. To this day, that detective still thinks I am my brother. I am crime free.

Have you resolved the situation with your false criminal record? Since she is now your wife am sure he could bend a few rules to help you correct the records and confirm that you are who you say you are? For example the finger print records. I am quite sure that once he compares yours to the ones on file, he'll discover that important discrepancy. As for your bother... that is most unfortunate. He screws up his life and you have to pay for it with yours.

What did he have to say when you confronted him about it?

[jonasdatum]

Originally Posted by cinseer

It seems when one who has suffered from identity theft, credit card fraud, or the use of any other major information pertaining to ourself in a fraudlent or nefarious manner....
tired of endless hours of persuing an answer, to right the wrong - going from one agency to another in effort to
1) reclaim your identity
2)catch the person(s) who did it

only to keep running in circles.

Go to the media - it is a big story.
It can perhaps quicken everything up.

This is a crime that destroys people and their lives. The police know it. The credit card companies and banks know it. Make someone answer to it. They also know that every year it escalates trifold - the US government now is even poking it head up saying "yeah i guess we got a bit of a crisis on our hands"

You have pretty well kept a "diary" of what you have been going through - from the start - not knowing what to do - to now, learning things all the time about it and how to get through it.

I wish you well - not easy what you experience.
Tell people - warn them - find out what needs to be pushed in government and law to ensure your rights. Things need to change.

Good Luck

You were paying me a complement. Sorry I didn't realize. I hope I didn't offend by not stating it in my first reply.

[cinseer]

I am aware of your frustration, but what I see here is you going a mile and a half to provide information - good information. I think we the public should take a stand to the government to do something about this type of crime. Hundreds of thousands of people like yourself are instantly assumed guilty and fighting for clearing your name of wrong-doing. It is about time our governments step in and legislate something to protect the innocent. Last time I heard in any criminal offense was innocent until proven guilty...and your story like many, doesn't have that message. Maybe a phot on our credit cards can eradicate some of the problem - but something the credit card companies need to do is take responsibilty. It is the consumer who is legit paying the price - the criminal ...well, they keep thieving off the unsuspecting and keep getting away with it with a slap on the wrist while the victim spends months trying the clear up the problem. In fact, there are so many loop holes and gray areas when it comes to identity thief, and none are for the benefit of the consumer. Do I see another service for the public brewing here? Where do you want to take it? Hmmm, got my brain thinking.